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$44,566
−HK$2,795/mo
▼ 0.25% · 3.875%
HK$45,953
−HK$1,408/mo
Today · 4.125%
HK$47,361
baseline
▲ 0.50% · 4.625%
HK$50,243
+HK$2,882/mo
Deposit HK$9.77M · loan HK$9.77M · min. income ≈ HK$94,722/mo (50% DSR)
Upfront cash ≈ HK$10.51M (deposit + AVD stamp duty HK$732,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,580
−HK$2,678/mo
▼ 0.25% · 3.875%
HK$50,909
−HK$1,349/mo
Today · 4.125%
HK$52,258
baseline
▲ 0.50% · 4.625%
HK$55,013
+HK$2,755/mo
Deposit HK$9.77M · loan HK$9.77M · min. income ≈ HK$104,516/mo (50% DSR)
Upfront cash ≈ HK$10.51M (deposit + AVD stamp duty HK$732,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,480
−HK$3,353/mo
▼ 0.25% · 3.875%
HK$55,143
−HK$1,690/mo
Today · 4.125%
HK$56,833
baseline
▲ 0.50% · 4.625%
HK$60,292
+HK$3,459/mo
Deposit HK$7.82M · loan HK$11.73M · min. income ≈ HK$113,666/mo (50% DSR)
Upfront cash ≈ HK$8.55M (deposit + AVD stamp duty HK$732,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,496
−HK$3,214/mo
▼ 0.25% · 3.875%
HK$61,091
−HK$1,619/mo
Today · 4.125%
HK$62,710
baseline
▲ 0.50% · 4.625%
HK$66,016
+HK$3,306/mo
Deposit HK$7.82M · loan HK$11.73M · min. income ≈ HK$125,420/mo (50% DSR)
Upfront cash ≈ HK$8.55M (deposit + AVD stamp duty HK$732,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,393
−HK$3,913/mo
▼ 0.25% · 3.875%
HK$64,334
−HK$1,972/mo
Today · 4.125%
HK$66,306
baseline
▲ 0.50% · 4.625%
HK$70,340
+HK$4,034/mo
Deposit HK$5.86M · loan HK$13.68M · min. income ≈ HK$132,612/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$732,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,412
−HK$3,750/mo
▼ 0.25% · 3.875%
HK$71,273
−HK$1,889/mo
Today · 4.125%
HK$73,162
baseline
▲ 0.50% · 4.625%
HK$77,018
+HK$3,856/mo
Deposit HK$5.86M · loan HK$13.68M · min. income ≈ HK$146,324/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$732,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,220
−HK$5,030/mo
▼ 0.25% · 3.875%
HK$82,715
−HK$2,535/mo
Today · 4.125%
HK$85,250
baseline
▲ 0.50% · 4.625%
HK$90,437
+HK$5,187/mo
Deposit HK$1.95M · loan HK$17.59M · min. income ≈ HK$170,500/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$732,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,244
−HK$4,821/mo
▼ 0.25% · 3.875%
HK$91,637
−HK$2,428/mo
Today · 4.125%
HK$94,065
baseline
▲ 0.50% · 4.625%
HK$99,023
+HK$4,958/mo
Deposit HK$1.95M · loan HK$17.59M · min. income ≈ HK$188,130/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$732,919 · Scale 2, in force from 26 Feb 2026)