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$44,454
−HK$2,788/mo
▼ 0.25% · 3.875%
HK$45,837
−HK$1,405/mo
Today · 4.125%
HK$47,242
baseline
▲ 0.50% · 4.625%
HK$50,116
+HK$2,874/mo
Deposit HK$9.75M · loan HK$9.75M · min. income ≈ HK$94,484/mo (50% DSR)
Upfront cash ≈ HK$10.48M (deposit + AVD stamp duty HK$731,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,455
−HK$2,672/mo
▼ 0.25% · 3.875%
HK$50,781
−HK$1,346/mo
Today · 4.125%
HK$52,127
baseline
▲ 0.50% · 4.625%
HK$54,874
+HK$2,747/mo
Deposit HK$9.75M · loan HK$9.75M · min. income ≈ HK$104,254/mo (50% DSR)
Upfront cash ≈ HK$10.48M (deposit + AVD stamp duty HK$731,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,345
−HK$3,345/mo
▼ 0.25% · 3.875%
HK$55,004
−HK$1,686/mo
Today · 4.125%
HK$56,690
baseline
▲ 0.50% · 4.625%
HK$60,140
+HK$3,450/mo
Deposit HK$7.80M · loan HK$11.70M · min. income ≈ HK$113,380/mo (50% DSR)
Upfront cash ≈ HK$8.53M (deposit + AVD stamp duty HK$731,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,346
−HK$3,206/mo
▼ 0.25% · 3.875%
HK$60,937
−HK$1,615/mo
Today · 4.125%
HK$62,552
baseline
▲ 0.50% · 4.625%
HK$65,849
+HK$3,297/mo
Deposit HK$7.80M · loan HK$11.70M · min. income ≈ HK$125,104/mo (50% DSR)
Upfront cash ≈ HK$8.53M (deposit + AVD stamp duty HK$731,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,236
−HK$3,903/mo
▼ 0.25% · 3.875%
HK$64,172
−HK$1,967/mo
Today · 4.125%
HK$66,139
baseline
▲ 0.50% · 4.625%
HK$70,163
+HK$4,024/mo
Deposit HK$5.85M · loan HK$13.65M · min. income ≈ HK$132,278/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$731,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,237
−HK$3,740/mo
▼ 0.25% · 3.875%
HK$71,094
−HK$1,883/mo
Today · 4.125%
HK$72,977
baseline
▲ 0.50% · 4.625%
HK$76,824
+HK$3,847/mo
Deposit HK$5.85M · loan HK$13.65M · min. income ≈ HK$145,954/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$731,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,018
−HK$5,017/mo
▼ 0.25% · 3.875%
HK$82,507
−HK$2,528/mo
Today · 4.125%
HK$85,035
baseline
▲ 0.50% · 4.625%
HK$90,210
+HK$5,175/mo
Deposit HK$1.95M · loan HK$17.55M · min. income ≈ HK$170,070/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$731,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,019
−HK$4,809/mo
▼ 0.25% · 3.875%
HK$91,406
−HK$2,422/mo
Today · 4.125%
HK$93,828
baseline
▲ 0.50% · 4.625%
HK$98,774
+HK$4,946/mo
Deposit HK$1.95M · loan HK$17.55M · min. income ≈ HK$187,656/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$731,072 · Scale 2, in force from 26 Feb 2026)