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$44,524
−HK$2,792/mo
▼ 0.25% · 3.875%
HK$45,909
−HK$1,407/mo
Today · 4.125%
HK$47,316
baseline
▲ 0.50% · 4.625%
HK$50,195
+HK$2,879/mo
Deposit HK$9.76M · loan HK$9.76M · min. income ≈ HK$94,632/mo (50% DSR)
Upfront cash ≈ HK$10.50M (deposit + AVD stamp duty HK$732,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,532
−HK$2,676/mo
▼ 0.25% · 3.875%
HK$50,861
−HK$1,347/mo
Today · 4.125%
HK$52,208
baseline
▲ 0.50% · 4.625%
HK$54,960
+HK$2,752/mo
Deposit HK$9.76M · loan HK$9.76M · min. income ≈ HK$104,416/mo (50% DSR)
Upfront cash ≈ HK$10.50M (deposit + AVD stamp duty HK$732,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,428
−HK$3,351/mo
▼ 0.25% · 3.875%
HK$55,090
−HK$1,689/mo
Today · 4.125%
HK$56,779
baseline
▲ 0.50% · 4.625%
HK$60,234
+HK$3,455/mo
Deposit HK$7.81M · loan HK$11.72M · min. income ≈ HK$113,558/mo (50% DSR)
Upfront cash ≈ HK$8.54M (deposit + AVD stamp duty HK$732,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,439
−HK$3,211/mo
▼ 0.25% · 3.875%
HK$61,033
−HK$1,617/mo
Today · 4.125%
HK$62,650
baseline
▲ 0.50% · 4.625%
HK$65,952
+HK$3,302/mo
Deposit HK$7.81M · loan HK$11.72M · min. income ≈ HK$125,300/mo (50% DSR)
Upfront cash ≈ HK$8.54M (deposit + AVD stamp duty HK$732,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,333
−HK$3,909/mo
▼ 0.25% · 3.875%
HK$64,272
−HK$1,970/mo
Today · 4.125%
HK$66,242
baseline
▲ 0.50% · 4.625%
HK$70,273
+HK$4,031/mo
Deposit HK$5.86M · loan HK$13.67M · min. income ≈ HK$132,484/mo (50% DSR)
Upfront cash ≈ HK$6.59M (deposit + AVD stamp duty HK$732,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,345
−HK$3,747/mo
▼ 0.25% · 3.875%
HK$71,205
−HK$1,887/mo
Today · 4.125%
HK$73,092
baseline
▲ 0.50% · 4.625%
HK$76,944
+HK$3,852/mo
Deposit HK$5.86M · loan HK$13.67M · min. income ≈ HK$146,184/mo (50% DSR)
Upfront cash ≈ HK$6.59M (deposit + AVD stamp duty HK$732,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,143
−HK$5,025/mo
▼ 0.25% · 3.875%
HK$82,636
−HK$2,532/mo
Today · 4.125%
HK$85,168
baseline
▲ 0.50% · 4.625%
HK$90,351
+HK$5,183/mo
Deposit HK$1.95M · loan HK$17.57M · min. income ≈ HK$170,336/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$732,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,158
−HK$4,817/mo
▼ 0.25% · 3.875%
HK$91,549
−HK$2,426/mo
Today · 4.125%
HK$93,975
baseline
▲ 0.50% · 4.625%
HK$98,928
+HK$4,953/mo
Deposit HK$1.95M · loan HK$17.57M · min. income ≈ HK$187,950/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$732,216 · Scale 2, in force from 26 Feb 2026)