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$44,466
−HK$2,788/mo
▼ 0.25% · 3.875%
HK$45,849
−HK$1,405/mo
Today · 4.125%
HK$47,254
baseline
▲ 0.50% · 4.625%
HK$50,129
+HK$2,875/mo
Deposit HK$9.75M · loan HK$9.75M · min. income ≈ HK$94,508/mo (50% DSR)
Upfront cash ≈ HK$10.48M (deposit + AVD stamp duty HK$731,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,467
−HK$2,673/mo
▼ 0.25% · 3.875%
HK$50,794
−HK$1,346/mo
Today · 4.125%
HK$52,140
baseline
▲ 0.50% · 4.625%
HK$54,888
+HK$2,748/mo
Deposit HK$9.75M · loan HK$9.75M · min. income ≈ HK$104,280/mo (50% DSR)
Upfront cash ≈ HK$10.48M (deposit + AVD stamp duty HK$731,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,359
−HK$3,346/mo
▼ 0.25% · 3.875%
HK$55,018
−HK$1,687/mo
Today · 4.125%
HK$56,705
baseline
▲ 0.50% · 4.625%
HK$60,155
+HK$3,450/mo
Deposit HK$7.80M · loan HK$11.70M · min. income ≈ HK$113,410/mo (50% DSR)
Upfront cash ≈ HK$8.53M (deposit + AVD stamp duty HK$731,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,361
−HK$3,207/mo
▼ 0.25% · 3.875%
HK$60,953
−HK$1,615/mo
Today · 4.125%
HK$62,568
baseline
▲ 0.50% · 4.625%
HK$65,866
+HK$3,298/mo
Deposit HK$7.80M · loan HK$11.70M · min. income ≈ HK$125,136/mo (50% DSR)
Upfront cash ≈ HK$8.53M (deposit + AVD stamp duty HK$731,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,252
−HK$3,903/mo
▼ 0.25% · 3.875%
HK$64,188
−HK$1,967/mo
Today · 4.125%
HK$66,155
baseline
▲ 0.50% · 4.625%
HK$70,181
+HK$4,026/mo
Deposit HK$5.85M · loan HK$13.65M · min. income ≈ HK$132,310/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$731,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,254
−HK$3,742/mo
▼ 0.25% · 3.875%
HK$71,112
−HK$1,884/mo
Today · 4.125%
HK$72,996
baseline
▲ 0.50% · 4.625%
HK$76,844
+HK$3,848/mo
Deposit HK$5.85M · loan HK$13.65M · min. income ≈ HK$145,992/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$731,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,038
−HK$5,019/mo
▼ 0.25% · 3.875%
HK$82,528
−HK$2,529/mo
Today · 4.125%
HK$85,057
baseline
▲ 0.50% · 4.625%
HK$90,233
+HK$5,176/mo
Deposit HK$1.95M · loan HK$17.55M · min. income ≈ HK$170,114/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$731,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,041
−HK$4,811/mo
▼ 0.25% · 3.875%
HK$91,429
−HK$2,423/mo
Today · 4.125%
HK$93,852
baseline
▲ 0.50% · 4.625%
HK$98,799
+HK$4,947/mo
Deposit HK$1.95M · loan HK$17.55M · min. income ≈ HK$187,704/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$731,259 · Scale 2, in force from 26 Feb 2026)