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$44,695
−HK$2,803/mo
▼ 0.25% · 3.875%
HK$46,085
−HK$1,413/mo
Today · 4.125%
HK$47,498
baseline
▲ 0.50% · 4.625%
HK$50,388
+HK$2,890/mo
Deposit HK$9.80M · loan HK$9.80M · min. income ≈ HK$94,996/mo (50% DSR)
Upfront cash ≈ HK$10.54M (deposit + AVD stamp duty HK$735,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,723
−HK$2,686/mo
▼ 0.25% · 3.875%
HK$51,056
−HK$1,353/mo
Today · 4.125%
HK$52,409
baseline
▲ 0.50% · 4.625%
HK$55,172
+HK$2,763/mo
Deposit HK$9.80M · loan HK$9.80M · min. income ≈ HK$104,818/mo (50% DSR)
Upfront cash ≈ HK$10.54M (deposit + AVD stamp duty HK$735,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,634
−HK$3,363/mo
▼ 0.25% · 3.875%
HK$55,302
−HK$1,695/mo
Today · 4.125%
HK$56,997
baseline
▲ 0.50% · 4.625%
HK$60,465
+HK$3,468/mo
Deposit HK$7.84M · loan HK$11.76M · min. income ≈ HK$113,994/mo (50% DSR)
Upfront cash ≈ HK$8.58M (deposit + AVD stamp duty HK$735,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,667
−HK$3,224/mo
▼ 0.25% · 3.875%
HK$61,267
−HK$1,624/mo
Today · 4.125%
HK$62,891
baseline
▲ 0.50% · 4.625%
HK$66,206
+HK$3,315/mo
Deposit HK$7.84M · loan HK$11.76M · min. income ≈ HK$125,782/mo (50% DSR)
Upfront cash ≈ HK$8.58M (deposit + AVD stamp duty HK$735,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,573
−HK$3,924/mo
▼ 0.25% · 3.875%
HK$64,519
−HK$1,978/mo
Today · 4.125%
HK$66,497
baseline
▲ 0.50% · 4.625%
HK$70,543
+HK$4,046/mo
Deposit HK$5.88M · loan HK$13.72M · min. income ≈ HK$132,994/mo (50% DSR)
Upfront cash ≈ HK$6.62M (deposit + AVD stamp duty HK$735,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,612
−HK$3,761/mo
▼ 0.25% · 3.875%
HK$71,479
−HK$1,894/mo
Today · 4.125%
HK$73,373
baseline
▲ 0.50% · 4.625%
HK$77,240
+HK$3,867/mo
Deposit HK$5.88M · loan HK$13.72M · min. income ≈ HK$146,746/mo (50% DSR)
Upfront cash ≈ HK$6.62M (deposit + AVD stamp duty HK$735,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,451
−HK$5,045/mo
▼ 0.25% · 3.875%
HK$82,953
−HK$2,543/mo
Today · 4.125%
HK$85,496
baseline
▲ 0.50% · 4.625%
HK$90,698
+HK$5,202/mo
Deposit HK$1.96M · loan HK$17.64M · min. income ≈ HK$170,992/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$735,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,501
−HK$4,835/mo
▼ 0.25% · 3.875%
HK$91,901
−HK$2,435/mo
Today · 4.125%
HK$94,336
baseline
▲ 0.50% · 4.625%
HK$99,309
+HK$4,973/mo
Deposit HK$1.96M · loan HK$17.64M · min. income ≈ HK$188,672/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$735,031 · Scale 2, in force from 26 Feb 2026)