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$44,493
−HK$2,791/mo
▼ 0.25% · 3.875%
HK$45,877
−HK$1,407/mo
Today · 4.125%
HK$47,284
baseline
▲ 0.50% · 4.625%
HK$50,161
+HK$2,877/mo
Deposit HK$9.76M · loan HK$9.76M · min. income ≈ HK$94,568/mo (50% DSR)
Upfront cash ≈ HK$10.49M (deposit + AVD stamp duty HK$731,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,499
−HK$2,674/mo
▼ 0.25% · 3.875%
HK$50,826
−HK$1,347/mo
Today · 4.125%
HK$52,173
baseline
▲ 0.50% · 4.625%
HK$54,923
+HK$2,750/mo
Deposit HK$9.76M · loan HK$9.76M · min. income ≈ HK$104,346/mo (50% DSR)
Upfront cash ≈ HK$10.49M (deposit + AVD stamp duty HK$731,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,392
−HK$3,348/mo
▼ 0.25% · 3.875%
HK$55,053
−HK$1,687/mo
Today · 4.125%
HK$56,740
baseline
▲ 0.50% · 4.625%
HK$60,193
+HK$3,453/mo
Deposit HK$7.80M · loan HK$11.71M · min. income ≈ HK$113,480/mo (50% DSR)
Upfront cash ≈ HK$8.54M (deposit + AVD stamp duty HK$731,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,398
−HK$3,209/mo
▼ 0.25% · 3.875%
HK$60,991
−HK$1,616/mo
Today · 4.125%
HK$62,607
baseline
▲ 0.50% · 4.625%
HK$65,907
+HK$3,300/mo
Deposit HK$7.80M · loan HK$11.71M · min. income ≈ HK$125,214/mo (50% DSR)
Upfront cash ≈ HK$8.54M (deposit + AVD stamp duty HK$731,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,291
−HK$3,906/mo
▼ 0.25% · 3.875%
HK$64,228
−HK$1,969/mo
Today · 4.125%
HK$66,197
baseline
▲ 0.50% · 4.625%
HK$70,225
+HK$4,028/mo
Deposit HK$5.85M · loan HK$13.66M · min. income ≈ HK$132,394/mo (50% DSR)
Upfront cash ≈ HK$6.59M (deposit + AVD stamp duty HK$731,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,298
−HK$3,744/mo
▼ 0.25% · 3.875%
HK$71,156
−HK$1,886/mo
Today · 4.125%
HK$73,042
baseline
▲ 0.50% · 4.625%
HK$76,892
+HK$3,850/mo
Deposit HK$5.85M · loan HK$13.66M · min. income ≈ HK$146,084/mo (50% DSR)
Upfront cash ≈ HK$6.59M (deposit + AVD stamp duty HK$731,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,088
−HK$5,022/mo
▼ 0.25% · 3.875%
HK$82,579
−HK$2,531/mo
Today · 4.125%
HK$85,110
baseline
▲ 0.50% · 4.625%
HK$90,289
+HK$5,179/mo
Deposit HK$1.95M · loan HK$17.56M · min. income ≈ HK$170,220/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$731,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,097
−HK$4,814/mo
▼ 0.25% · 3.875%
HK$91,487
−HK$2,424/mo
Today · 4.125%
HK$93,911
baseline
▲ 0.50% · 4.625%
HK$98,861
+HK$4,950/mo
Deposit HK$1.95M · loan HK$17.56M · min. income ≈ HK$187,822/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$731,718 · Scale 2, in force from 26 Feb 2026)