The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$44,569
−HK$2,795/mo
▼ 0.25% · 3.875%
HK$45,956
−HK$1,408/mo
Today · 4.125%
HK$47,364
baseline
▲ 0.50% · 4.625%
HK$50,246
+HK$2,882/mo
Deposit HK$9.77M · loan HK$9.77M · min. income ≈ HK$94,728/mo (50% DSR)
Upfront cash ≈ HK$10.51M (deposit + AVD stamp duty HK$732,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,583
−HK$2,679/mo
▼ 0.25% · 3.875%
HK$50,913
−HK$1,349/mo
Today · 4.125%
HK$52,262
baseline
▲ 0.50% · 4.625%
HK$55,017
+HK$2,755/mo
Deposit HK$9.77M · loan HK$9.77M · min. income ≈ HK$104,524/mo (50% DSR)
Upfront cash ≈ HK$10.51M (deposit + AVD stamp duty HK$732,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,483
−HK$3,354/mo
▼ 0.25% · 3.875%
HK$55,147
−HK$1,690/mo
Today · 4.125%
HK$56,837
baseline
▲ 0.50% · 4.625%
HK$60,295
+HK$3,458/mo
Deposit HK$7.82M · loan HK$11.73M · min. income ≈ HK$113,674/mo (50% DSR)
Upfront cash ≈ HK$8.55M (deposit + AVD stamp duty HK$732,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,500
−HK$3,214/mo
▼ 0.25% · 3.875%
HK$61,095
−HK$1,619/mo
Today · 4.125%
HK$62,714
baseline
▲ 0.50% · 4.625%
HK$66,020
+HK$3,306/mo
Deposit HK$7.82M · loan HK$11.73M · min. income ≈ HK$125,428/mo (50% DSR)
Upfront cash ≈ HK$8.55M (deposit + AVD stamp duty HK$732,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,397
−HK$3,913/mo
▼ 0.25% · 3.875%
HK$64,338
−HK$1,972/mo
Today · 4.125%
HK$66,310
baseline
▲ 0.50% · 4.625%
HK$70,345
+HK$4,035/mo
Deposit HK$5.86M · loan HK$13.68M · min. income ≈ HK$132,620/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$732,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,416
−HK$3,750/mo
▼ 0.25% · 3.875%
HK$71,278
−HK$1,888/mo
Today · 4.125%
HK$73,166
baseline
▲ 0.50% · 4.625%
HK$77,023
+HK$3,857/mo
Deposit HK$5.86M · loan HK$13.68M · min. income ≈ HK$146,332/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$732,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,225
−HK$5,031/mo
▼ 0.25% · 3.875%
HK$82,720
−HK$2,536/mo
Today · 4.125%
HK$85,256
baseline
▲ 0.50% · 4.625%
HK$90,443
+HK$5,187/mo
Deposit HK$1.95M · loan HK$17.59M · min. income ≈ HK$170,512/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$732,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,249
−HK$4,822/mo
▼ 0.25% · 3.875%
HK$91,643
−HK$2,428/mo
Today · 4.125%
HK$94,071
baseline
▲ 0.50% · 4.625%
HK$99,030
+HK$4,959/mo
Deposit HK$1.95M · loan HK$17.59M · min. income ≈ HK$188,142/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$732,967 · Scale 2, in force from 26 Feb 2026)