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$44,445
−HK$2,787/mo
▼ 0.25% · 3.875%
HK$45,827
−HK$1,405/mo
Today · 4.125%
HK$47,232
baseline
▲ 0.50% · 4.625%
HK$50,106
+HK$2,874/mo
Deposit HK$9.75M · loan HK$9.75M · min. income ≈ HK$94,464/mo (50% DSR)
Upfront cash ≈ HK$10.48M (deposit + AVD stamp duty HK$730,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,444
−HK$2,672/mo
▼ 0.25% · 3.875%
HK$50,771
−HK$1,345/mo
Today · 4.125%
HK$52,116
baseline
▲ 0.50% · 4.625%
HK$54,863
+HK$2,747/mo
Deposit HK$9.75M · loan HK$9.75M · min. income ≈ HK$104,232/mo (50% DSR)
Upfront cash ≈ HK$10.48M (deposit + AVD stamp duty HK$730,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,334
−HK$3,344/mo
▼ 0.25% · 3.875%
HK$54,993
−HK$1,685/mo
Today · 4.125%
HK$56,678
baseline
▲ 0.50% · 4.625%
HK$60,127
+HK$3,449/mo
Deposit HK$7.80M · loan HK$11.69M · min. income ≈ HK$113,356/mo (50% DSR)
Upfront cash ≈ HK$8.53M (deposit + AVD stamp duty HK$730,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,333
−HK$3,206/mo
▼ 0.25% · 3.875%
HK$60,925
−HK$1,614/mo
Today · 4.125%
HK$62,539
baseline
▲ 0.50% · 4.625%
HK$65,835
+HK$3,296/mo
Deposit HK$7.80M · loan HK$11.69M · min. income ≈ HK$125,078/mo (50% DSR)
Upfront cash ≈ HK$8.53M (deposit + AVD stamp duty HK$730,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,223
−HK$3,902/mo
▼ 0.25% · 3.875%
HK$64,158
−HK$1,967/mo
Today · 4.125%
HK$66,125
baseline
▲ 0.50% · 4.625%
HK$70,148
+HK$4,023/mo
Deposit HK$5.85M · loan HK$13.64M · min. income ≈ HK$132,250/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$730,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,222
−HK$3,740/mo
▼ 0.25% · 3.875%
HK$71,079
−HK$1,883/mo
Today · 4.125%
HK$72,962
baseline
▲ 0.50% · 4.625%
HK$76,808
+HK$3,846/mo
Deposit HK$5.85M · loan HK$13.64M · min. income ≈ HK$145,924/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$730,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,001
−HK$5,016/mo
▼ 0.25% · 3.875%
HK$82,489
−HK$2,528/mo
Today · 4.125%
HK$85,017
baseline
▲ 0.50% · 4.625%
HK$90,191
+HK$5,174/mo
Deposit HK$1.95M · loan HK$17.54M · min. income ≈ HK$170,034/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$730,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,000
−HK$4,808/mo
▼ 0.25% · 3.875%
HK$91,387
−HK$2,421/mo
Today · 4.125%
HK$93,808
baseline
▲ 0.50% · 4.625%
HK$98,753
+HK$4,945/mo
Deposit HK$1.95M · loan HK$17.54M · min. income ≈ HK$187,616/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$730,919 · Scale 2, in force from 26 Feb 2026)