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$2,788/mo
▼ 0.25% · 3.875%
HK$45,839
−HK$1,405/mo
Today · 4.125%
HK$47,244
baseline
▲ 0.50% · 4.625%
HK$50,118
+HK$2,874/mo
Deposit HK$9.75M · loan HK$9.75M · min. income ≈ HK$94,488/mo (50% DSR)
Upfront cash ≈ HK$10.48M (deposit + AVD stamp duty HK$731,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,457
−HK$2,672/mo
▼ 0.25% · 3.875%
HK$50,783
−HK$1,346/mo
Today · 4.125%
HK$52,129
baseline
▲ 0.50% · 4.625%
HK$54,877
+HK$2,748/mo
Deposit HK$9.75M · loan HK$9.75M · min. income ≈ HK$104,258/mo (50% DSR)
Upfront cash ≈ HK$10.48M (deposit + AVD stamp duty HK$731,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,347
−HK$3,345/mo
▼ 0.25% · 3.875%
HK$55,007
−HK$1,685/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$731,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,348
−HK$3,207/mo
▼ 0.25% · 3.875%
HK$60,940
−HK$1,615/mo
Today · 4.125%
HK$62,555
baseline
▲ 0.50% · 4.625%
HK$65,852
+HK$3,297/mo
Deposit HK$7.80M · loan HK$11.70M · min. income ≈ HK$125,110/mo (50% DSR)
Upfront cash ≈ HK$8.53M (deposit + AVD stamp duty HK$731,101 · 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$70,166
+HK$4,025/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$731,101 · 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$731,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,021
−HK$5,018/mo
▼ 0.25% · 3.875%
HK$82,510
−HK$2,529/mo
Today · 4.125%
HK$85,039
baseline
▲ 0.50% · 4.625%
HK$90,213
+HK$5,174/mo
Deposit HK$1.95M · loan HK$17.55M · min. income ≈ HK$170,078/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$731,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,022
−HK$4,810/mo
▼ 0.25% · 3.875%
HK$91,410
−HK$2,422/mo
Today · 4.125%
HK$93,832
baseline
▲ 0.50% · 4.625%
HK$98,778
+HK$4,946/mo
Deposit HK$1.95M · loan HK$17.55M · min. income ≈ HK$187,664/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$731,101 · Scale 2, in force from 26 Feb 2026)