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$44,528
−HK$2,792/mo
▼ 0.25% · 3.875%
HK$45,913
−HK$1,407/mo
Today · 4.125%
HK$47,320
baseline
▲ 0.50% · 4.625%
HK$50,200
+HK$2,880/mo
Deposit HK$9.76M · loan HK$9.76M · min. income ≈ HK$94,640/mo (50% DSR)
Upfront cash ≈ HK$10.50M (deposit + AVD stamp duty HK$732,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,537
−HK$2,676/mo
▼ 0.25% · 3.875%
HK$50,866
−HK$1,347/mo
Today · 4.125%
HK$52,213
baseline
▲ 0.50% · 4.625%
HK$54,966
+HK$2,753/mo
Deposit HK$9.76M · loan HK$9.76M · min. income ≈ HK$104,426/mo (50% DSR)
Upfront cash ≈ HK$10.50M (deposit + AVD stamp duty HK$732,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,434
−HK$3,350/mo
▼ 0.25% · 3.875%
HK$55,096
−HK$1,688/mo
Today · 4.125%
HK$56,784
baseline
▲ 0.50% · 4.625%
HK$60,240
+HK$3,456/mo
Deposit HK$7.81M · loan HK$11.72M · min. income ≈ HK$113,568/mo (50% DSR)
Upfront cash ≈ HK$8.54M (deposit + AVD stamp duty HK$732,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,444
−HK$3,212/mo
▼ 0.25% · 3.875%
HK$61,039
−HK$1,617/mo
Today · 4.125%
HK$62,656
baseline
▲ 0.50% · 4.625%
HK$65,959
+HK$3,303/mo
Deposit HK$7.81M · loan HK$11.72M · min. income ≈ HK$125,312/mo (50% DSR)
Upfront cash ≈ HK$8.54M (deposit + AVD stamp duty HK$732,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,339
−HK$3,909/mo
▼ 0.25% · 3.875%
HK$64,278
−HK$1,970/mo
Today · 4.125%
HK$66,248
baseline
▲ 0.50% · 4.625%
HK$70,280
+HK$4,032/mo
Deposit HK$5.86M · loan HK$13.67M · min. income ≈ HK$132,496/mo (50% DSR)
Upfront cash ≈ HK$6.59M (deposit + AVD stamp duty HK$732,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,352
−HK$3,747/mo
▼ 0.25% · 3.875%
HK$71,212
−HK$1,887/mo
Today · 4.125%
HK$73,099
baseline
▲ 0.50% · 4.625%
HK$76,952
+HK$3,853/mo
Deposit HK$5.86M · loan HK$13.67M · min. income ≈ HK$146,198/mo (50% DSR)
Upfront cash ≈ HK$6.59M (deposit + AVD stamp duty HK$732,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,150
−HK$5,027/mo
▼ 0.25% · 3.875%
HK$82,644
−HK$2,533/mo
Today · 4.125%
HK$85,177
baseline
▲ 0.50% · 4.625%
HK$90,359
+HK$5,182/mo
Deposit HK$1.95M · loan HK$17.57M · min. income ≈ HK$170,354/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$732,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,167
−HK$4,817/mo
▼ 0.25% · 3.875%
HK$91,558
−HK$2,426/mo
Today · 4.125%
HK$93,984
baseline
▲ 0.50% · 4.625%
HK$98,938
+HK$4,954/mo
Deposit HK$1.95M · loan HK$17.57M · min. income ≈ HK$187,968/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$732,287 · Scale 2, in force from 26 Feb 2026)