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$44,508
−HK$2,791/mo
▼ 0.25% · 3.875%
HK$45,892
−HK$1,407/mo
Today · 4.125%
HK$47,299
baseline
▲ 0.50% · 4.625%
HK$50,177
+HK$2,878/mo
Deposit HK$9.76M · loan HK$9.76M · min. income ≈ HK$94,598/mo (50% DSR)
Upfront cash ≈ HK$10.49M (deposit + AVD stamp duty HK$731,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,515
−HK$2,675/mo
▼ 0.25% · 3.875%
HK$50,843
−HK$1,347/mo
Today · 4.125%
HK$52,190
baseline
▲ 0.50% · 4.625%
HK$54,941
+HK$2,751/mo
Deposit HK$9.76M · loan HK$9.76M · min. income ≈ HK$104,380/mo (50% DSR)
Upfront cash ≈ HK$10.49M (deposit + AVD stamp duty HK$731,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,409
−HK$3,350/mo
▼ 0.25% · 3.875%
HK$55,071
−HK$1,688/mo
Today · 4.125%
HK$56,759
baseline
▲ 0.50% · 4.625%
HK$60,212
+HK$3,453/mo
Deposit HK$7.81M · loan HK$11.71M · min. income ≈ HK$113,518/mo (50% DSR)
Upfront cash ≈ HK$8.54M (deposit + AVD stamp duty HK$731,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,417
−HK$3,211/mo
▼ 0.25% · 3.875%
HK$61,011
−HK$1,617/mo
Today · 4.125%
HK$62,628
baseline
▲ 0.50% · 4.625%
HK$65,929
+HK$3,301/mo
Deposit HK$7.81M · loan HK$11.71M · min. income ≈ HK$125,256/mo (50% DSR)
Upfront cash ≈ HK$8.54M (deposit + AVD stamp duty HK$731,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,311
−HK$3,907/mo
▼ 0.25% · 3.875%
HK$64,249
−HK$1,969/mo
Today · 4.125%
HK$66,218
baseline
▲ 0.50% · 4.625%
HK$70,248
+HK$4,030/mo
Deposit HK$5.86M · loan HK$13.66M · min. income ≈ HK$132,436/mo (50% DSR)
Upfront cash ≈ HK$6.59M (deposit + AVD stamp duty HK$731,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,320
−HK$3,746/mo
▼ 0.25% · 3.875%
HK$71,180
−HK$1,886/mo
Today · 4.125%
HK$73,066
baseline
▲ 0.50% · 4.625%
HK$76,917
+HK$3,851/mo
Deposit HK$5.86M · loan HK$13.66M · min. income ≈ HK$146,132/mo (50% DSR)
Upfront cash ≈ HK$6.59M (deposit + AVD stamp duty HK$731,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,114
−HK$5,024/mo
▼ 0.25% · 3.875%
HK$82,606
−HK$2,532/mo
Today · 4.125%
HK$85,138
baseline
▲ 0.50% · 4.625%
HK$90,318
+HK$5,180/mo
Deposit HK$1.95M · loan HK$17.57M · min. income ≈ HK$170,276/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$731,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,126
−HK$4,815/mo
▼ 0.25% · 3.875%
HK$91,517
−HK$2,424/mo
Today · 4.125%
HK$93,941
baseline
▲ 0.50% · 4.625%
HK$98,893
+HK$4,952/mo
Deposit HK$1.95M · loan HK$17.57M · min. income ≈ HK$187,882/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$731,955 · Scale 2, in force from 26 Feb 2026)