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$44,715
−HK$2,804/mo
▼ 0.25% · 3.875%
HK$46,106
−HK$1,413/mo
Today · 4.125%
HK$47,519
baseline
▲ 0.50% · 4.625%
HK$50,410
+HK$2,891/mo
Deposit HK$9.80M · loan HK$9.80M · min. income ≈ HK$95,038/mo (50% DSR)
Upfront cash ≈ HK$10.54M (deposit + AVD stamp duty HK$735,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,745
−HK$2,687/mo
▼ 0.25% · 3.875%
HK$51,079
−HK$1,353/mo
Today · 4.125%
HK$52,432
baseline
▲ 0.50% · 4.625%
HK$55,196
+HK$2,764/mo
Deposit HK$9.80M · loan HK$9.80M · min. income ≈ HK$104,864/mo (50% DSR)
Upfront cash ≈ HK$10.54M (deposit + AVD stamp duty HK$735,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,658
−HK$3,365/mo
▼ 0.25% · 3.875%
HK$55,327
−HK$1,696/mo
Today · 4.125%
HK$57,023
baseline
▲ 0.50% · 4.625%
HK$60,492
+HK$3,469/mo
Deposit HK$7.84M · loan HK$11.77M · min. income ≈ HK$114,046/mo (50% DSR)
Upfront cash ≈ HK$8.58M (deposit + AVD stamp duty HK$735,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,694
−HK$3,225/mo
▼ 0.25% · 3.875%
HK$61,295
−HK$1,624/mo
Today · 4.125%
HK$62,919
baseline
▲ 0.50% · 4.625%
HK$66,235
+HK$3,316/mo
Deposit HK$7.84M · loan HK$11.77M · min. income ≈ HK$125,838/mo (50% DSR)
Upfront cash ≈ HK$8.58M (deposit + AVD stamp duty HK$735,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,601
−HK$3,925/mo
▼ 0.25% · 3.875%
HK$64,548
−HK$1,978/mo
Today · 4.125%
HK$66,526
baseline
▲ 0.50% · 4.625%
HK$70,574
+HK$4,048/mo
Deposit HK$5.88M · loan HK$13.73M · min. income ≈ HK$133,052/mo (50% DSR)
Upfront cash ≈ HK$6.62M (deposit + AVD stamp duty HK$735,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,643
−HK$3,762/mo
▼ 0.25% · 3.875%
HK$71,511
−HK$1,894/mo
Today · 4.125%
HK$73,405
baseline
▲ 0.50% · 4.625%
HK$77,275
+HK$3,870/mo
Deposit HK$5.88M · loan HK$13.73M · min. income ≈ HK$146,810/mo (50% DSR)
Upfront cash ≈ HK$6.62M (deposit + AVD stamp duty HK$735,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,487
−HK$5,047/mo
▼ 0.25% · 3.875%
HK$82,990
−HK$2,544/mo
Today · 4.125%
HK$85,534
baseline
▲ 0.50% · 4.625%
HK$90,739
+HK$5,205/mo
Deposit HK$1.96M · loan HK$17.65M · min. income ≈ HK$171,068/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$735,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,541
−HK$4,837/mo
▼ 0.25% · 3.875%
HK$91,942
−HK$2,436/mo
Today · 4.125%
HK$94,378
baseline
▲ 0.50% · 4.625%
HK$99,353
+HK$4,975/mo
Deposit HK$1.96M · loan HK$17.65M · min. income ≈ HK$188,756/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$735,359 · Scale 2, in force from 26 Feb 2026)