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$44,547
−HK$2,793/mo
▼ 0.25% · 3.875%
HK$45,932
−HK$1,408/mo
Today · 4.125%
HK$47,340
baseline
▲ 0.50% · 4.625%
HK$50,221
+HK$2,881/mo
Deposit HK$9.77M · loan HK$9.77M · min. income ≈ HK$94,680/mo (50% DSR)
Upfront cash ≈ HK$10.50M (deposit + AVD stamp duty HK$732,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,558
−HK$2,677/mo
▼ 0.25% · 3.875%
HK$50,887
−HK$1,348/mo
Today · 4.125%
HK$52,235
baseline
▲ 0.50% · 4.625%
HK$54,989
+HK$2,754/mo
Deposit HK$9.77M · loan HK$9.77M · min. income ≈ HK$104,470/mo (50% DSR)
Upfront cash ≈ HK$10.50M (deposit + AVD stamp duty HK$732,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,456
−HK$3,352/mo
▼ 0.25% · 3.875%
HK$55,119
−HK$1,689/mo
Today · 4.125%
HK$56,808
baseline
▲ 0.50% · 4.625%
HK$60,265
+HK$3,457/mo
Deposit HK$7.81M · loan HK$11.72M · min. income ≈ HK$113,616/mo (50% DSR)
Upfront cash ≈ HK$8.55M (deposit + AVD stamp duty HK$732,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,469
−HK$3,213/mo
▼ 0.25% · 3.875%
HK$61,064
−HK$1,618/mo
Today · 4.125%
HK$62,682
baseline
▲ 0.50% · 4.625%
HK$65,986
+HK$3,304/mo
Deposit HK$7.81M · loan HK$11.72M · min. income ≈ HK$125,364/mo (50% DSR)
Upfront cash ≈ HK$8.55M (deposit + AVD stamp duty HK$732,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,365
−HK$3,911/mo
▼ 0.25% · 3.875%
HK$64,305
−HK$1,971/mo
Today · 4.125%
HK$66,276
baseline
▲ 0.50% · 4.625%
HK$70,309
+HK$4,033/mo
Deposit HK$5.86M · loan HK$13.68M · min. income ≈ HK$132,552/mo (50% DSR)
Upfront cash ≈ HK$6.59M (deposit + AVD stamp duty HK$732,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,381
−HK$3,748/mo
▼ 0.25% · 3.875%
HK$71,242
−HK$1,887/mo
Today · 4.125%
HK$73,129
baseline
▲ 0.50% · 4.625%
HK$76,984
+HK$3,855/mo
Deposit HK$5.86M · loan HK$13.68M · min. income ≈ HK$146,258/mo (50% DSR)
Upfront cash ≈ HK$6.59M (deposit + AVD stamp duty HK$732,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,184
−HK$5,028/mo
▼ 0.25% · 3.875%
HK$82,678
−HK$2,534/mo
Today · 4.125%
HK$85,212
baseline
▲ 0.50% · 4.625%
HK$90,397
+HK$5,185/mo
Deposit HK$1.95M · loan HK$17.58M · min. income ≈ HK$170,424/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$732,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,204
−HK$4,819/mo
▼ 0.25% · 3.875%
HK$91,596
−HK$2,427/mo
Today · 4.125%
HK$94,023
baseline
▲ 0.50% · 4.625%
HK$98,979
+HK$4,956/mo
Deposit HK$1.95M · loan HK$17.58M · min. income ≈ HK$188,046/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$732,593 · Scale 2, in force from 26 Feb 2026)