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$44,536
−HK$2,793/mo
▼ 0.25% · 3.875%
HK$45,921
−HK$1,408/mo
Today · 4.125%
HK$47,329
baseline
▲ 0.50% · 4.625%
HK$50,208
+HK$2,879/mo
Deposit HK$9.77M · loan HK$9.77M · min. income ≈ HK$94,658/mo (50% DSR)
Upfront cash ≈ HK$10.50M (deposit + AVD stamp duty HK$732,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,546
−HK$2,676/mo
▼ 0.25% · 3.875%
HK$50,874
−HK$1,348/mo
Today · 4.125%
HK$52,222
baseline
▲ 0.50% · 4.625%
HK$54,975
+HK$2,753/mo
Deposit HK$9.77M · loan HK$9.77M · min. income ≈ HK$104,444/mo (50% DSR)
Upfront cash ≈ HK$10.50M (deposit + AVD stamp duty HK$732,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,443
−HK$3,351/mo
▼ 0.25% · 3.875%
HK$55,105
−HK$1,689/mo
Today · 4.125%
HK$56,794
baseline
▲ 0.50% · 4.625%
HK$60,250
+HK$3,456/mo
Deposit HK$7.81M · loan HK$11.72M · min. income ≈ HK$113,588/mo (50% DSR)
Upfront cash ≈ HK$8.54M (deposit + AVD stamp duty HK$732,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,455
−HK$3,212/mo
▼ 0.25% · 3.875%
HK$61,049
−HK$1,618/mo
Today · 4.125%
HK$62,667
baseline
▲ 0.50% · 4.625%
HK$65,970
+HK$3,303/mo
Deposit HK$7.81M · loan HK$11.72M · min. income ≈ HK$125,334/mo (50% DSR)
Upfront cash ≈ HK$8.54M (deposit + AVD stamp duty HK$732,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,350
−HK$3,910/mo
▼ 0.25% · 3.875%
HK$64,290
−HK$1,970/mo
Today · 4.125%
HK$66,260
baseline
▲ 0.50% · 4.625%
HK$70,292
+HK$4,032/mo
Deposit HK$5.86M · loan HK$13.67M · min. income ≈ HK$132,520/mo (50% DSR)
Upfront cash ≈ HK$6.59M (deposit + AVD stamp duty HK$732,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,364
−HK$3,747/mo
▼ 0.25% · 3.875%
HK$71,224
−HK$1,887/mo
Today · 4.125%
HK$73,111
baseline
▲ 0.50% · 4.625%
HK$76,965
+HK$3,854/mo
Deposit HK$5.86M · loan HK$13.67M · min. income ≈ HK$146,222/mo (50% DSR)
Upfront cash ≈ HK$6.59M (deposit + AVD stamp duty HK$732,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,164
−HK$5,027/mo
▼ 0.25% · 3.875%
HK$82,658
−HK$2,533/mo
Today · 4.125%
HK$85,191
baseline
▲ 0.50% · 4.625%
HK$90,375
+HK$5,184/mo
Deposit HK$1.95M · loan HK$17.58M · min. income ≈ HK$170,382/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$732,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,182
−HK$4,818/mo
▼ 0.25% · 3.875%
HK$91,574
−HK$2,426/mo
Today · 4.125%
HK$94,000
baseline
▲ 0.50% · 4.625%
HK$98,955
+HK$4,955/mo
Deposit HK$1.95M · loan HK$17.58M · min. income ≈ HK$188,000/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$732,414 · Scale 2, in force from 26 Feb 2026)