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$44,542
−HK$2,793/mo
▼ 0.25% · 3.875%
HK$45,928
−HK$1,407/mo
Today · 4.125%
HK$47,335
baseline
▲ 0.50% · 4.625%
HK$50,215
+HK$2,880/mo
Deposit HK$9.77M · loan HK$9.77M · min. income ≈ HK$94,670/mo (50% DSR)
Upfront cash ≈ HK$10.50M (deposit + AVD stamp duty HK$732,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,553
−HK$2,677/mo
▼ 0.25% · 3.875%
HK$50,882
−HK$1,348/mo
Today · 4.125%
HK$52,230
baseline
▲ 0.50% · 4.625%
HK$54,983
+HK$2,753/mo
Deposit HK$9.77M · loan HK$9.77M · min. income ≈ HK$104,460/mo (50% DSR)
Upfront cash ≈ HK$10.50M (deposit + AVD stamp duty HK$732,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,450
−HK$3,352/mo
▼ 0.25% · 3.875%
HK$55,113
−HK$1,689/mo
Today · 4.125%
HK$56,802
baseline
▲ 0.50% · 4.625%
HK$60,259
+HK$3,457/mo
Deposit HK$7.81M · loan HK$11.72M · min. income ≈ HK$113,604/mo (50% DSR)
Upfront cash ≈ HK$8.55M (deposit + AVD stamp duty HK$732,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,463
−HK$3,213/mo
▼ 0.25% · 3.875%
HK$61,058
−HK$1,618/mo
Today · 4.125%
HK$62,676
baseline
▲ 0.50% · 4.625%
HK$65,979
+HK$3,303/mo
Deposit HK$7.81M · loan HK$11.72M · min. income ≈ HK$125,352/mo (50% DSR)
Upfront cash ≈ HK$8.55M (deposit + AVD stamp duty HK$732,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,359
−HK$3,910/mo
▼ 0.25% · 3.875%
HK$64,299
−HK$1,970/mo
Today · 4.125%
HK$66,269
baseline
▲ 0.50% · 4.625%
HK$70,302
+HK$4,033/mo
Deposit HK$5.86M · loan HK$13.67M · min. income ≈ HK$132,538/mo (50% DSR)
Upfront cash ≈ HK$6.59M (deposit + AVD stamp duty HK$732,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,374
−HK$3,748/mo
▼ 0.25% · 3.875%
HK$71,234
−HK$1,888/mo
Today · 4.125%
HK$73,122
baseline
▲ 0.50% · 4.625%
HK$76,976
+HK$3,854/mo
Deposit HK$5.86M · loan HK$13.67M · min. income ≈ HK$146,244/mo (50% DSR)
Upfront cash ≈ HK$6.59M (deposit + AVD stamp duty HK$732,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,176
−HK$5,027/mo
▼ 0.25% · 3.875%
HK$82,670
−HK$2,533/mo
Today · 4.125%
HK$85,203
baseline
▲ 0.50% · 4.625%
HK$90,388
+HK$5,185/mo
Deposit HK$1.95M · loan HK$17.58M · min. income ≈ HK$170,406/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$732,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,195
−HK$4,819/mo
▼ 0.25% · 3.875%
HK$91,587
−HK$2,427/mo
Today · 4.125%
HK$94,014
baseline
▲ 0.50% · 4.625%
HK$98,969
+HK$4,955/mo
Deposit HK$1.95M · loan HK$17.58M · min. income ≈ HK$188,028/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$732,518 · Scale 2, in force from 26 Feb 2026)