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$44,541
−HK$2,793/mo
▼ 0.25% · 3.875%
HK$45,926
−HK$1,408/mo
Today · 4.125%
HK$47,334
baseline
▲ 0.50% · 4.625%
HK$50,214
+HK$2,880/mo
Deposit HK$9.77M · loan HK$9.77M · min. income ≈ HK$94,668/mo (50% DSR)
Upfront cash ≈ HK$10.50M (deposit + AVD stamp duty HK$732,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,551
−HK$2,677/mo
▼ 0.25% · 3.875%
HK$50,880
−HK$1,348/mo
Today · 4.125%
HK$52,228
baseline
▲ 0.50% · 4.625%
HK$54,981
+HK$2,753/mo
Deposit HK$9.77M · loan HK$9.77M · min. income ≈ HK$104,456/mo (50% DSR)
Upfront cash ≈ HK$10.50M (deposit + AVD stamp duty HK$732,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,449
−HK$3,352/mo
▼ 0.25% · 3.875%
HK$55,111
−HK$1,690/mo
Today · 4.125%
HK$56,801
baseline
▲ 0.50% · 4.625%
HK$60,257
+HK$3,456/mo
Deposit HK$7.81M · loan HK$11.72M · min. income ≈ HK$113,602/mo (50% DSR)
Upfront cash ≈ HK$8.55M (deposit + AVD stamp duty HK$732,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,461
−HK$3,213/mo
▼ 0.25% · 3.875%
HK$61,056
−HK$1,618/mo
Today · 4.125%
HK$62,674
baseline
▲ 0.50% · 4.625%
HK$65,977
+HK$3,303/mo
Deposit HK$7.81M · loan HK$11.72M · min. income ≈ HK$125,348/mo (50% DSR)
Upfront cash ≈ HK$8.55M (deposit + AVD stamp duty HK$732,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,357
−HK$3,910/mo
▼ 0.25% · 3.875%
HK$64,297
−HK$1,970/mo
Today · 4.125%
HK$66,267
baseline
▲ 0.50% · 4.625%
HK$70,300
+HK$4,033/mo
Deposit HK$5.86M · loan HK$13.67M · min. income ≈ HK$132,534/mo (50% DSR)
Upfront cash ≈ HK$6.59M (deposit + AVD stamp duty HK$732,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,372
−HK$3,747/mo
▼ 0.25% · 3.875%
HK$71,232
−HK$1,887/mo
Today · 4.125%
HK$73,119
baseline
▲ 0.50% · 4.625%
HK$76,974
+HK$3,855/mo
Deposit HK$5.86M · loan HK$13.67M · min. income ≈ HK$146,238/mo (50% DSR)
Upfront cash ≈ HK$6.59M (deposit + AVD stamp duty HK$732,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,173
−HK$5,028/mo
▼ 0.25% · 3.875%
HK$82,667
−HK$2,534/mo
Today · 4.125%
HK$85,201
baseline
▲ 0.50% · 4.625%
HK$90,385
+HK$5,184/mo
Deposit HK$1.95M · loan HK$17.58M · min. income ≈ HK$170,402/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$732,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,192
−HK$4,819/mo
▼ 0.25% · 3.875%
HK$91,584
−HK$2,427/mo
Today · 4.125%
HK$94,011
baseline
▲ 0.50% · 4.625%
HK$98,966
+HK$4,955/mo
Deposit HK$1.95M · loan HK$17.58M · min. income ≈ HK$188,022/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$732,495 · Scale 2, in force from 26 Feb 2026)