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$44,479
−HK$2,789/mo
▼ 0.25% · 3.875%
HK$45,862
−HK$1,406/mo
Today · 4.125%
HK$47,268
baseline
▲ 0.50% · 4.625%
HK$50,144
+HK$2,876/mo
Deposit HK$9.75M · loan HK$9.75M · min. income ≈ HK$94,536/mo (50% DSR)
Upfront cash ≈ HK$10.48M (deposit + AVD stamp duty HK$731,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,482
−HK$2,674/mo
▼ 0.25% · 3.875%
HK$50,809
−HK$1,347/mo
Today · 4.125%
HK$52,156
baseline
▲ 0.50% · 4.625%
HK$54,905
+HK$2,749/mo
Deposit HK$9.75M · loan HK$9.75M · min. income ≈ HK$104,312/mo (50% DSR)
Upfront cash ≈ HK$10.48M (deposit + AVD stamp duty HK$731,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,375
−HK$3,347/mo
▼ 0.25% · 3.875%
HK$55,035
−HK$1,687/mo
Today · 4.125%
HK$56,722
baseline
▲ 0.50% · 4.625%
HK$60,173
+HK$3,451/mo
Deposit HK$7.80M · loan HK$11.70M · min. income ≈ HK$113,444/mo (50% DSR)
Upfront cash ≈ HK$8.53M (deposit + AVD stamp duty HK$731,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,379
−HK$3,208/mo
▼ 0.25% · 3.875%
HK$60,971
−HK$1,616/mo
Today · 4.125%
HK$62,587
baseline
▲ 0.50% · 4.625%
HK$65,886
+HK$3,299/mo
Deposit HK$7.80M · loan HK$11.70M · min. income ≈ HK$125,174/mo (50% DSR)
Upfront cash ≈ HK$8.53M (deposit + AVD stamp duty HK$731,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,271
−HK$3,904/mo
▼ 0.25% · 3.875%
HK$64,207
−HK$1,968/mo
Today · 4.125%
HK$66,175
baseline
▲ 0.50% · 4.625%
HK$70,202
+HK$4,027/mo
Deposit HK$5.85M · loan HK$13.65M · min. income ≈ HK$132,350/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$731,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,275
−HK$3,743/mo
▼ 0.25% · 3.875%
HK$71,133
−HK$1,885/mo
Today · 4.125%
HK$73,018
baseline
▲ 0.50% · 4.625%
HK$76,867
+HK$3,849/mo
Deposit HK$5.85M · loan HK$13.65M · min. income ≈ HK$146,036/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$731,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,062
−HK$5,021/mo
▼ 0.25% · 3.875%
HK$82,552
−HK$2,531/mo
Today · 4.125%
HK$85,083
baseline
▲ 0.50% · 4.625%
HK$90,260
+HK$5,177/mo
Deposit HK$1.95M · loan HK$17.56M · min. income ≈ HK$170,166/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$731,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,068
−HK$4,812/mo
▼ 0.25% · 3.875%
HK$91,457
−HK$2,423/mo
Today · 4.125%
HK$93,880
baseline
▲ 0.50% · 4.625%
HK$98,829
+HK$4,949/mo
Deposit HK$1.95M · loan HK$17.56M · min. income ≈ HK$187,760/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$731,480 · Scale 2, in force from 26 Feb 2026)