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$44,477
−HK$2,789/mo
▼ 0.25% · 3.875%
HK$45,861
−HK$1,405/mo
Today · 4.125%
HK$47,266
baseline
▲ 0.50% · 4.625%
HK$50,142
+HK$2,876/mo
Deposit HK$9.75M · loan HK$9.75M · min. income ≈ HK$94,532/mo (50% DSR)
Upfront cash ≈ HK$10.48M (deposit + AVD stamp duty HK$731,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,481
−HK$2,673/mo
▼ 0.25% · 3.875%
HK$50,808
−HK$1,346/mo
Today · 4.125%
HK$52,154
baseline
▲ 0.50% · 4.625%
HK$54,903
+HK$2,749/mo
Deposit HK$9.75M · loan HK$9.75M · min. income ≈ HK$104,308/mo (50% DSR)
Upfront cash ≈ HK$10.48M (deposit + AVD stamp duty HK$731,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,373
−HK$3,347/mo
▼ 0.25% · 3.875%
HK$55,033
−HK$1,687/mo
Today · 4.125%
HK$56,720
baseline
▲ 0.50% · 4.625%
HK$60,171
+HK$3,451/mo
Deposit HK$7.80M · loan HK$11.70M · min. income ≈ HK$113,440/mo (50% DSR)
Upfront cash ≈ HK$8.53M (deposit + AVD stamp duty HK$731,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,377
−HK$3,208/mo
▼ 0.25% · 3.875%
HK$60,969
−HK$1,616/mo
Today · 4.125%
HK$62,585
baseline
▲ 0.50% · 4.625%
HK$65,884
+HK$3,299/mo
Deposit HK$7.80M · loan HK$11.70M · min. income ≈ HK$125,170/mo (50% DSR)
Upfront cash ≈ HK$8.53M (deposit + AVD stamp duty HK$731,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,268
−HK$3,905/mo
▼ 0.25% · 3.875%
HK$64,205
−HK$1,968/mo
Today · 4.125%
HK$66,173
baseline
▲ 0.50% · 4.625%
HK$70,199
+HK$4,026/mo
Deposit HK$5.85M · loan HK$13.65M · min. income ≈ HK$132,346/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$731,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,273
−HK$3,742/mo
▼ 0.25% · 3.875%
HK$71,131
−HK$1,884/mo
Today · 4.125%
HK$73,015
baseline
▲ 0.50% · 4.625%
HK$76,864
+HK$3,849/mo
Deposit HK$5.85M · loan HK$13.65M · min. income ≈ HK$146,030/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$731,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,059
−HK$5,021/mo
▼ 0.25% · 3.875%
HK$82,549
−HK$2,531/mo
Today · 4.125%
HK$85,080
baseline
▲ 0.50% · 4.625%
HK$90,256
+HK$5,176/mo
Deposit HK$1.95M · loan HK$17.55M · min. income ≈ HK$170,160/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$731,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,065
−HK$4,812/mo
▼ 0.25% · 3.875%
HK$91,454
−HK$2,423/mo
Today · 4.125%
HK$93,877
baseline
▲ 0.50% · 4.625%
HK$98,825
+HK$4,948/mo
Deposit HK$1.95M · loan HK$17.55M · min. income ≈ HK$187,754/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$731,453 · Scale 2, in force from 26 Feb 2026)