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$44,510
−HK$2,791/mo
▼ 0.25% · 3.875%
HK$45,894
−HK$1,407/mo
Today · 4.125%
HK$47,301
baseline
▲ 0.50% · 4.625%
HK$50,179
+HK$2,878/mo
Deposit HK$9.76M · loan HK$9.76M · min. income ≈ HK$94,602/mo (50% DSR)
Upfront cash ≈ HK$10.49M (deposit + AVD stamp duty HK$731,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,517
−HK$2,675/mo
▼ 0.25% · 3.875%
HK$50,845
−HK$1,347/mo
Today · 4.125%
HK$52,192
baseline
▲ 0.50% · 4.625%
HK$54,943
+HK$2,751/mo
Deposit HK$9.76M · loan HK$9.76M · min. income ≈ HK$104,384/mo (50% DSR)
Upfront cash ≈ HK$10.49M (deposit + AVD stamp duty HK$731,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,412
−HK$3,349/mo
▼ 0.25% · 3.875%
HK$55,073
−HK$1,688/mo
Today · 4.125%
HK$56,761
baseline
▲ 0.50% · 4.625%
HK$60,215
+HK$3,454/mo
Deposit HK$7.81M · loan HK$11.71M · min. income ≈ HK$113,522/mo (50% DSR)
Upfront cash ≈ HK$8.54M (deposit + AVD stamp duty HK$731,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,420
−HK$3,210/mo
▼ 0.25% · 3.875%
HK$61,014
−HK$1,616/mo
Today · 4.125%
HK$62,630
baseline
▲ 0.50% · 4.625%
HK$65,932
+HK$3,302/mo
Deposit HK$7.81M · loan HK$11.71M · min. income ≈ HK$125,260/mo (50% DSR)
Upfront cash ≈ HK$8.54M (deposit + AVD stamp duty HK$731,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,314
−HK$3,907/mo
▼ 0.25% · 3.875%
HK$64,252
−HK$1,969/mo
Today · 4.125%
HK$66,221
baseline
▲ 0.50% · 4.625%
HK$70,251
+HK$4,030/mo
Deposit HK$5.86M · loan HK$13.66M · min. income ≈ HK$132,442/mo (50% DSR)
Upfront cash ≈ HK$6.59M (deposit + AVD stamp duty HK$731,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,323
−HK$3,746/mo
▼ 0.25% · 3.875%
HK$71,183
−HK$1,886/mo
Today · 4.125%
HK$73,069
baseline
▲ 0.50% · 4.625%
HK$76,920
+HK$3,851/mo
Deposit HK$5.86M · loan HK$13.66M · min. income ≈ HK$146,138/mo (50% DSR)
Upfront cash ≈ HK$6.59M (deposit + AVD stamp duty HK$731,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,118
−HK$5,024/mo
▼ 0.25% · 3.875%
HK$82,610
−HK$2,532/mo
Today · 4.125%
HK$85,142
baseline
▲ 0.50% · 4.625%
HK$90,322
+HK$5,180/mo
Deposit HK$1.95M · loan HK$17.57M · min. income ≈ HK$170,284/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$731,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,130
−HK$4,816/mo
▼ 0.25% · 3.875%
HK$91,521
−HK$2,425/mo
Today · 4.125%
HK$93,946
baseline
▲ 0.50% · 4.625%
HK$98,898
+HK$4,952/mo
Deposit HK$1.95M · loan HK$17.57M · min. income ≈ HK$187,892/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$731,988 · Scale 2, in force from 26 Feb 2026)