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$44,459
−HK$2,788/mo
▼ 0.25% · 3.875%
HK$45,842
−HK$1,405/mo
Today · 4.125%
HK$47,247
baseline
▲ 0.50% · 4.625%
HK$50,122
+HK$2,875/mo
Deposit HK$9.75M · loan HK$9.75M · min. income ≈ HK$94,494/mo (50% DSR)
Upfront cash ≈ HK$10.48M (deposit + AVD stamp duty HK$731,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,461
−HK$2,672/mo
▼ 0.25% · 3.875%
HK$50,787
−HK$1,346/mo
Today · 4.125%
HK$52,133
baseline
▲ 0.50% · 4.625%
HK$54,881
+HK$2,748/mo
Deposit HK$9.75M · loan HK$9.75M · min. income ≈ HK$104,266/mo (50% DSR)
Upfront cash ≈ HK$10.48M (deposit + AVD stamp duty HK$731,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,351
−HK$3,346/mo
▼ 0.25% · 3.875%
HK$55,011
−HK$1,686/mo
Today · 4.125%
HK$56,697
baseline
▲ 0.50% · 4.625%
HK$60,147
+HK$3,450/mo
Deposit HK$7.80M · loan HK$11.70M · min. income ≈ HK$113,394/mo (50% DSR)
Upfront cash ≈ HK$8.53M (deposit + AVD stamp duty HK$731,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,353
−HK$3,207/mo
▼ 0.25% · 3.875%
HK$60,945
−HK$1,615/mo
Today · 4.125%
HK$62,560
baseline
▲ 0.50% · 4.625%
HK$65,857
+HK$3,297/mo
Deposit HK$7.80M · loan HK$11.70M · min. income ≈ HK$125,120/mo (50% DSR)
Upfront cash ≈ HK$8.53M (deposit + AVD stamp duty HK$731,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,243
−HK$3,903/mo
▼ 0.25% · 3.875%
HK$64,179
−HK$1,967/mo
Today · 4.125%
HK$66,146
baseline
▲ 0.50% · 4.625%
HK$70,171
+HK$4,025/mo
Deposit HK$5.85M · loan HK$13.65M · min. income ≈ HK$132,292/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$731,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,245
−HK$3,741/mo
▼ 0.25% · 3.875%
HK$71,102
−HK$1,884/mo
Today · 4.125%
HK$72,986
baseline
▲ 0.50% · 4.625%
HK$76,833
+HK$3,847/mo
Deposit HK$5.85M · loan HK$13.65M · min. income ≈ HK$145,972/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$731,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,027
−HK$5,018/mo
▼ 0.25% · 3.875%
HK$82,516
−HK$2,529/mo
Today · 4.125%
HK$85,045
baseline
▲ 0.50% · 4.625%
HK$90,220
+HK$5,175/mo
Deposit HK$1.95M · loan HK$17.55M · min. income ≈ HK$170,090/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$731,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,029
−HK$4,810/mo
▼ 0.25% · 3.875%
HK$91,417
−HK$2,422/mo
Today · 4.125%
HK$93,839
baseline
▲ 0.50% · 4.625%
HK$98,786
+HK$4,947/mo
Deposit HK$1.95M · loan HK$17.55M · min. income ≈ HK$187,678/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$731,160 · Scale 2, in force from 26 Feb 2026)