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$44,456
−HK$2,787/mo
▼ 0.25% · 3.875%
HK$45,838
−HK$1,405/mo
Today · 4.125%
HK$47,243
baseline
▲ 0.50% · 4.625%
HK$50,118
+HK$2,875/mo
Deposit HK$9.75M · loan HK$9.75M · min. income ≈ HK$94,486/mo (50% DSR)
Upfront cash ≈ HK$10.48M (deposit + AVD stamp duty HK$731,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,456
−HK$2,672/mo
▼ 0.25% · 3.875%
HK$50,783
−HK$1,345/mo
Today · 4.125%
HK$52,128
baseline
▲ 0.50% · 4.625%
HK$54,876
+HK$2,748/mo
Deposit HK$9.75M · loan HK$9.75M · min. income ≈ HK$104,256/mo (50% DSR)
Upfront cash ≈ HK$10.48M (deposit + AVD stamp duty HK$731,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,347
−HK$3,345/mo
▼ 0.25% · 3.875%
HK$55,006
−HK$1,686/mo
Today · 4.125%
HK$56,692
baseline
▲ 0.50% · 4.625%
HK$60,142
+HK$3,450/mo
Deposit HK$7.80M · loan HK$11.70M · min. income ≈ HK$113,384/mo (50% DSR)
Upfront cash ≈ HK$8.53M (deposit + AVD stamp duty HK$731,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,348
−HK$3,206/mo
▼ 0.25% · 3.875%
HK$60,939
−HK$1,615/mo
Today · 4.125%
HK$62,554
baseline
▲ 0.50% · 4.625%
HK$65,851
+HK$3,297/mo
Deposit HK$7.80M · loan HK$11.70M · min. income ≈ HK$125,108/mo (50% DSR)
Upfront cash ≈ HK$8.53M (deposit + AVD stamp duty HK$731,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,238
−HK$3,903/mo
▼ 0.25% · 3.875%
HK$64,174
−HK$1,967/mo
Today · 4.125%
HK$66,141
baseline
▲ 0.50% · 4.625%
HK$70,165
+HK$4,024/mo
Deposit HK$5.85M · loan HK$13.65M · min. income ≈ HK$132,282/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$731,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,239
−HK$3,741/mo
▼ 0.25% · 3.875%
HK$71,096
−HK$1,884/mo
Today · 4.125%
HK$72,980
baseline
▲ 0.50% · 4.625%
HK$76,827
+HK$3,847/mo
Deposit HK$5.85M · loan HK$13.65M · min. income ≈ HK$145,960/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$731,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,020
−HK$5,018/mo
▼ 0.25% · 3.875%
HK$82,509
−HK$2,529/mo
Today · 4.125%
HK$85,038
baseline
▲ 0.50% · 4.625%
HK$90,212
+HK$5,174/mo
Deposit HK$1.95M · loan HK$17.55M · min. income ≈ HK$170,076/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$731,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,022
−HK$4,809/mo
▼ 0.25% · 3.875%
HK$91,409
−HK$2,422/mo
Today · 4.125%
HK$93,831
baseline
▲ 0.50% · 4.625%
HK$98,777
+HK$4,946/mo
Deposit HK$1.95M · loan HK$17.55M · min. income ≈ HK$187,662/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$731,097 · Scale 2, in force from 26 Feb 2026)