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$44,483
−HK$2,790/mo
▼ 0.25% · 3.875%
HK$45,867
−HK$1,406/mo
Today · 4.125%
HK$47,273
baseline
▲ 0.50% · 4.625%
HK$50,149
+HK$2,876/mo
Deposit HK$9.75M · loan HK$9.75M · min. income ≈ HK$94,546/mo (50% DSR)
Upfront cash ≈ HK$10.49M (deposit + AVD stamp duty HK$731,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,487
−HK$2,674/mo
▼ 0.25% · 3.875%
HK$50,815
−HK$1,346/mo
Today · 4.125%
HK$52,161
baseline
▲ 0.50% · 4.625%
HK$54,910
+HK$2,749/mo
Deposit HK$9.75M · loan HK$9.75M · min. income ≈ HK$104,322/mo (50% DSR)
Upfront cash ≈ HK$10.49M (deposit + AVD stamp duty HK$731,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,380
−HK$3,347/mo
▼ 0.25% · 3.875%
HK$55,041
−HK$1,686/mo
Today · 4.125%
HK$56,727
baseline
▲ 0.50% · 4.625%
HK$60,179
+HK$3,452/mo
Deposit HK$7.80M · loan HK$11.70M · min. income ≈ HK$113,454/mo (50% DSR)
Upfront cash ≈ HK$8.53M (deposit + AVD stamp duty HK$731,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,385
−HK$3,208/mo
▼ 0.25% · 3.875%
HK$60,977
−HK$1,616/mo
Today · 4.125%
HK$62,593
baseline
▲ 0.50% · 4.625%
HK$65,893
+HK$3,300/mo
Deposit HK$7.80M · loan HK$11.70M · min. income ≈ HK$125,186/mo (50% DSR)
Upfront cash ≈ HK$8.53M (deposit + AVD stamp duty HK$731,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,277
−HK$3,905/mo
▼ 0.25% · 3.875%
HK$64,214
−HK$1,968/mo
Today · 4.125%
HK$66,182
baseline
▲ 0.50% · 4.625%
HK$70,209
+HK$4,027/mo
Deposit HK$5.85M · loan HK$13.66M · min. income ≈ HK$132,364/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$731,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,282
−HK$3,743/mo
▼ 0.25% · 3.875%
HK$71,140
−HK$1,885/mo
Today · 4.125%
HK$73,025
baseline
▲ 0.50% · 4.625%
HK$76,875
+HK$3,850/mo
Deposit HK$5.85M · loan HK$13.66M · min. income ≈ HK$146,050/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$731,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,070
−HK$5,021/mo
▼ 0.25% · 3.875%
HK$82,561
−HK$2,530/mo
Today · 4.125%
HK$85,091
baseline
▲ 0.50% · 4.625%
HK$90,269
+HK$5,178/mo
Deposit HK$1.95M · loan HK$17.56M · min. income ≈ HK$170,182/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$731,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,077
−HK$4,813/mo
▼ 0.25% · 3.875%
HK$91,466
−HK$2,424/mo
Today · 4.125%
HK$93,890
baseline
▲ 0.50% · 4.625%
HK$98,839
+HK$4,949/mo
Deposit HK$1.95M · loan HK$17.56M · min. income ≈ HK$187,780/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$731,553 · Scale 2, in force from 26 Feb 2026)