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$44,694
−HK$2,803/mo
▼ 0.25% · 3.875%
HK$46,085
−HK$1,412/mo
Today · 4.125%
HK$47,497
baseline
▲ 0.50% · 4.625%
HK$50,387
+HK$2,890/mo
Deposit HK$9.80M · loan HK$9.80M · min. income ≈ HK$94,994/mo (50% DSR)
Upfront cash ≈ HK$10.54M (deposit + AVD stamp duty HK$735,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,722
−HK$2,686/mo
▼ 0.25% · 3.875%
HK$51,056
−HK$1,352/mo
Today · 4.125%
HK$52,408
baseline
▲ 0.50% · 4.625%
HK$55,171
+HK$2,763/mo
Deposit HK$9.80M · loan HK$9.80M · min. income ≈ HK$104,816/mo (50% DSR)
Upfront cash ≈ HK$10.54M (deposit + AVD stamp duty HK$735,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,633
−HK$3,364/mo
▼ 0.25% · 3.875%
HK$55,302
−HK$1,695/mo
Today · 4.125%
HK$56,997
baseline
▲ 0.50% · 4.625%
HK$60,465
+HK$3,468/mo
Deposit HK$7.84M · loan HK$11.76M · min. income ≈ HK$113,994/mo (50% DSR)
Upfront cash ≈ HK$8.58M (deposit + AVD stamp duty HK$735,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,666
−HK$3,224/mo
▼ 0.25% · 3.875%
HK$61,267
−HK$1,623/mo
Today · 4.125%
HK$62,890
baseline
▲ 0.50% · 4.625%
HK$66,205
+HK$3,315/mo
Deposit HK$7.84M · loan HK$11.76M · min. income ≈ HK$125,780/mo (50% DSR)
Upfront cash ≈ HK$8.58M (deposit + AVD stamp duty HK$735,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,572
−HK$3,924/mo
▼ 0.25% · 3.875%
HK$64,518
−HK$1,978/mo
Today · 4.125%
HK$66,496
baseline
▲ 0.50% · 4.625%
HK$70,542
+HK$4,046/mo
Deposit HK$5.88M · loan HK$13.72M · min. income ≈ HK$132,992/mo (50% DSR)
Upfront cash ≈ HK$6.62M (deposit + AVD stamp duty HK$735,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,611
−HK$3,761/mo
▼ 0.25% · 3.875%
HK$71,478
−HK$1,894/mo
Today · 4.125%
HK$73,372
baseline
▲ 0.50% · 4.625%
HK$77,239
+HK$3,867/mo
Deposit HK$5.88M · loan HK$13.72M · min. income ≈ HK$146,744/mo (50% DSR)
Upfront cash ≈ HK$6.62M (deposit + AVD stamp duty HK$735,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,450
−HK$5,045/mo
▼ 0.25% · 3.875%
HK$82,952
−HK$2,543/mo
Today · 4.125%
HK$85,495
baseline
▲ 0.50% · 4.625%
HK$90,697
+HK$5,202/mo
Deposit HK$1.96M · loan HK$17.64M · min. income ≈ HK$170,990/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$735,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,500
−HK$4,835/mo
▼ 0.25% · 3.875%
HK$91,900
−HK$2,435/mo
Today · 4.125%
HK$94,335
baseline
▲ 0.50% · 4.625%
HK$99,308
+HK$4,973/mo
Deposit HK$1.96M · loan HK$17.64M · min. income ≈ HK$188,670/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$735,023 · Scale 2, in force from 26 Feb 2026)