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$2,794/mo
▼ 0.25% · 3.875%
HK$45,933
−HK$1,408/mo
Today · 4.125%
HK$47,341
baseline
▲ 0.50% · 4.625%
HK$50,221
+HK$2,880/mo
Deposit HK$9.77M · loan HK$9.77M · min. income ≈ HK$94,682/mo (50% DSR)
Upfront cash ≈ HK$10.50M (deposit + AVD stamp duty HK$732,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,558
−HK$2,678/mo
▼ 0.25% · 3.875%
HK$50,888
−HK$1,348/mo
Today · 4.125%
HK$52,236
baseline
▲ 0.50% · 4.625%
HK$54,989
+HK$2,753/mo
Deposit HK$9.77M · loan HK$9.77M · min. income ≈ HK$104,472/mo (50% DSR)
Upfront cash ≈ HK$10.50M (deposit + AVD stamp duty HK$732,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,457
−HK$3,352/mo
▼ 0.25% · 3.875%
HK$55,120
−HK$1,689/mo
Today · 4.125%
HK$56,809
baseline
▲ 0.50% · 4.625%
HK$60,266
+HK$3,457/mo
Deposit HK$7.81M · loan HK$11.72M · min. income ≈ HK$113,618/mo (50% DSR)
Upfront cash ≈ HK$8.55M (deposit + AVD stamp duty HK$732,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,470
−HK$3,213/mo
▼ 0.25% · 3.875%
HK$61,065
−HK$1,618/mo
Today · 4.125%
HK$62,683
baseline
▲ 0.50% · 4.625%
HK$65,987
+HK$3,304/mo
Deposit HK$7.81M · loan HK$11.72M · min. income ≈ HK$125,366/mo (50% DSR)
Upfront cash ≈ HK$8.55M (deposit + AVD stamp duty HK$732,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,366
−HK$3,911/mo
▼ 0.25% · 3.875%
HK$64,306
−HK$1,971/mo
Today · 4.125%
HK$66,277
baseline
▲ 0.50% · 4.625%
HK$70,310
+HK$4,033/mo
Deposit HK$5.86M · loan HK$13.68M · min. income ≈ HK$132,554/mo (50% DSR)
Upfront cash ≈ HK$6.59M (deposit + AVD stamp duty HK$732,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,382
−HK$3,748/mo
▼ 0.25% · 3.875%
HK$71,243
−HK$1,887/mo
Today · 4.125%
HK$73,130
baseline
▲ 0.50% · 4.625%
HK$76,985
+HK$3,855/mo
Deposit HK$5.86M · loan HK$13.68M · min. income ≈ HK$146,260/mo (50% DSR)
Upfront cash ≈ HK$6.59M (deposit + AVD stamp duty HK$732,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,185
−HK$5,029/mo
▼ 0.25% · 3.875%
HK$82,679
−HK$2,535/mo
Today · 4.125%
HK$85,214
baseline
▲ 0.50% · 4.625%
HK$90,399
+HK$5,185/mo
Deposit HK$1.95M · loan HK$17.58M · min. income ≈ HK$170,428/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$732,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,205
−HK$4,820/mo
▼ 0.25% · 3.875%
HK$91,598
−HK$2,427/mo
Today · 4.125%
HK$94,025
baseline
▲ 0.50% · 4.625%
HK$98,981
+HK$4,956/mo
Deposit HK$1.95M · loan HK$17.58M · min. income ≈ HK$188,050/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$732,605 · Scale 2, in force from 26 Feb 2026)