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$44,532
−HK$2,793/mo
▼ 0.25% · 3.875%
HK$45,917
−HK$1,408/mo
Today · 4.125%
HK$47,325
baseline
▲ 0.50% · 4.625%
HK$50,204
+HK$2,879/mo
Deposit HK$9.76M · loan HK$9.76M · min. income ≈ HK$94,650/mo (50% DSR)
Upfront cash ≈ HK$10.50M (deposit + AVD stamp duty HK$732,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,541
−HK$2,677/mo
▼ 0.25% · 3.875%
HK$50,870
−HK$1,348/mo
Today · 4.125%
HK$52,218
baseline
▲ 0.50% · 4.625%
HK$54,971
+HK$2,753/mo
Deposit HK$9.76M · loan HK$9.76M · min. income ≈ HK$104,436/mo (50% DSR)
Upfront cash ≈ HK$10.50M (deposit + AVD stamp duty HK$732,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,438
−HK$3,352/mo
▼ 0.25% · 3.875%
HK$55,101
−HK$1,689/mo
Today · 4.125%
HK$56,790
baseline
▲ 0.50% · 4.625%
HK$60,245
+HK$3,455/mo
Deposit HK$7.81M · loan HK$11.72M · min. income ≈ HK$113,580/mo (50% DSR)
Upfront cash ≈ HK$8.54M (deposit + AVD stamp duty HK$732,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,450
−HK$3,212/mo
▼ 0.25% · 3.875%
HK$61,044
−HK$1,618/mo
Today · 4.125%
HK$62,662
baseline
▲ 0.50% · 4.625%
HK$65,965
+HK$3,303/mo
Deposit HK$7.81M · loan HK$11.72M · min. income ≈ HK$125,324/mo (50% DSR)
Upfront cash ≈ HK$8.54M (deposit + AVD stamp duty HK$732,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,345
−HK$3,909/mo
▼ 0.25% · 3.875%
HK$64,284
−HK$1,970/mo
Today · 4.125%
HK$66,254
baseline
▲ 0.50% · 4.625%
HK$70,286
+HK$4,032/mo
Deposit HK$5.86M · loan HK$13.67M · min. income ≈ HK$132,508/mo (50% DSR)
Upfront cash ≈ HK$6.59M (deposit + AVD stamp duty HK$732,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,358
−HK$3,747/mo
▼ 0.25% · 3.875%
HK$71,218
−HK$1,887/mo
Today · 4.125%
HK$73,105
baseline
▲ 0.50% · 4.625%
HK$76,959
+HK$3,854/mo
Deposit HK$5.86M · loan HK$13.67M · min. income ≈ HK$146,210/mo (50% DSR)
Upfront cash ≈ HK$6.59M (deposit + AVD stamp duty HK$732,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,158
−HK$5,026/mo
▼ 0.25% · 3.875%
HK$82,651
−HK$2,533/mo
Today · 4.125%
HK$85,184
baseline
▲ 0.50% · 4.625%
HK$90,368
+HK$5,184/mo
Deposit HK$1.95M · loan HK$17.58M · min. income ≈ HK$170,368/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$732,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,175
−HK$4,817/mo
▼ 0.25% · 3.875%
HK$91,566
−HK$2,426/mo
Today · 4.125%
HK$93,992
baseline
▲ 0.50% · 4.625%
HK$98,947
+HK$4,955/mo
Deposit HK$1.95M · loan HK$17.58M · min. income ≈ HK$187,984/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$732,353 · Scale 2, in force from 26 Feb 2026)