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$44,675
−HK$2,801/mo
▼ 0.25% · 3.875%
HK$46,064
−HK$1,412/mo
Today · 4.125%
HK$47,476
baseline
▲ 0.50% · 4.625%
HK$50,365
+HK$2,889/mo
Deposit HK$9.80M · loan HK$9.80M · min. income ≈ HK$94,952/mo (50% DSR)
Upfront cash ≈ HK$10.53M (deposit + AVD stamp duty HK$734,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,700
−HK$2,685/mo
▼ 0.25% · 3.875%
HK$51,033
−HK$1,352/mo
Today · 4.125%
HK$52,385
baseline
▲ 0.50% · 4.625%
HK$55,147
+HK$2,762/mo
Deposit HK$9.80M · loan HK$9.80M · min. income ≈ HK$104,770/mo (50% DSR)
Upfront cash ≈ HK$10.53M (deposit + AVD stamp duty HK$734,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,610
−HK$3,361/mo
▼ 0.25% · 3.875%
HK$55,277
−HK$1,694/mo
Today · 4.125%
HK$56,971
baseline
▲ 0.50% · 4.625%
HK$60,438
+HK$3,467/mo
Deposit HK$7.84M · loan HK$11.76M · min. income ≈ HK$113,942/mo (50% DSR)
Upfront cash ≈ HK$8.57M (deposit + AVD stamp duty HK$734,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,640
−HK$3,222/mo
▼ 0.25% · 3.875%
HK$61,240
−HK$1,622/mo
Today · 4.125%
HK$62,862
baseline
▲ 0.50% · 4.625%
HK$66,176
+HK$3,314/mo
Deposit HK$7.84M · loan HK$11.76M · min. income ≈ HK$125,724/mo (50% DSR)
Upfront cash ≈ HK$8.57M (deposit + AVD stamp duty HK$734,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,545
−HK$3,922/mo
▼ 0.25% · 3.875%
HK$64,490
−HK$1,977/mo
Today · 4.125%
HK$66,467
baseline
▲ 0.50% · 4.625%
HK$70,511
+HK$4,044/mo
Deposit HK$5.88M · loan HK$13.71M · min. income ≈ HK$132,934/mo (50% DSR)
Upfront cash ≈ HK$6.61M (deposit + AVD stamp duty HK$734,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,580
−HK$3,759/mo
▼ 0.25% · 3.875%
HK$71,446
−HK$1,893/mo
Today · 4.125%
HK$73,339
baseline
▲ 0.50% · 4.625%
HK$77,205
+HK$3,866/mo
Deposit HK$5.88M · loan HK$13.71M · min. income ≈ HK$146,678/mo (50% DSR)
Upfront cash ≈ HK$6.61M (deposit + AVD stamp duty HK$734,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,414
−HK$5,043/mo
▼ 0.25% · 3.875%
HK$82,916
−HK$2,541/mo
Today · 4.125%
HK$85,457
baseline
▲ 0.50% · 4.625%
HK$90,657
+HK$5,200/mo
Deposit HK$1.96M · loan HK$17.63M · min. income ≈ HK$170,914/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$734,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,460
−HK$4,833/mo
▼ 0.25% · 3.875%
HK$91,859
−HK$2,434/mo
Today · 4.125%
HK$94,293
baseline
▲ 0.50% · 4.625%
HK$99,264
+HK$4,971/mo
Deposit HK$1.96M · loan HK$17.63M · min. income ≈ HK$188,586/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$734,698 · Scale 2, in force from 26 Feb 2026)