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$44,672
−HK$2,801/mo
▼ 0.25% · 3.875%
HK$46,061
−HK$1,412/mo
Today · 4.125%
HK$47,473
baseline
▲ 0.50% · 4.625%
HK$50,362
+HK$2,889/mo
Deposit HK$9.80M · loan HK$9.80M · min. income ≈ HK$94,946/mo (50% DSR)
Upfront cash ≈ HK$10.53M (deposit + AVD stamp duty HK$734,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,697
−HK$2,685/mo
▼ 0.25% · 3.875%
HK$51,030
−HK$1,352/mo
Today · 4.125%
HK$52,382
baseline
▲ 0.50% · 4.625%
HK$55,143
+HK$2,761/mo
Deposit HK$9.80M · loan HK$9.80M · min. income ≈ HK$104,764/mo (50% DSR)
Upfront cash ≈ HK$10.53M (deposit + AVD stamp duty HK$734,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,606
−HK$3,362/mo
▼ 0.25% · 3.875%
HK$55,274
−HK$1,694/mo
Today · 4.125%
HK$56,968
baseline
▲ 0.50% · 4.625%
HK$60,434
+HK$3,466/mo
Deposit HK$7.84M · loan HK$11.75M · min. income ≈ HK$113,936/mo (50% DSR)
Upfront cash ≈ HK$8.57M (deposit + AVD stamp duty HK$734,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,636
−HK$3,222/mo
▼ 0.25% · 3.875%
HK$61,236
−HK$1,622/mo
Today · 4.125%
HK$62,858
baseline
▲ 0.50% · 4.625%
HK$66,172
+HK$3,314/mo
Deposit HK$7.84M · loan HK$11.75M · min. income ≈ HK$125,716/mo (50% DSR)
Upfront cash ≈ HK$8.57M (deposit + AVD stamp duty HK$734,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,541
−HK$3,921/mo
▼ 0.25% · 3.875%
HK$64,486
−HK$1,976/mo
Today · 4.125%
HK$66,462
baseline
▲ 0.50% · 4.625%
HK$70,507
+HK$4,045/mo
Deposit HK$5.88M · loan HK$13.71M · min. income ≈ HK$132,924/mo (50% DSR)
Upfront cash ≈ HK$6.61M (deposit + AVD stamp duty HK$734,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,576
−HK$3,759/mo
▼ 0.25% · 3.875%
HK$71,442
−HK$1,893/mo
Today · 4.125%
HK$73,335
baseline
▲ 0.50% · 4.625%
HK$77,200
+HK$3,865/mo
Deposit HK$5.88M · loan HK$13.71M · min. income ≈ HK$146,670/mo (50% DSR)
Upfront cash ≈ HK$6.61M (deposit + AVD stamp duty HK$734,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,409
−HK$5,043/mo
▼ 0.25% · 3.875%
HK$82,911
−HK$2,541/mo
Today · 4.125%
HK$85,452
baseline
▲ 0.50% · 4.625%
HK$90,651
+HK$5,199/mo
Deposit HK$1.96M · loan HK$17.63M · min. income ≈ HK$170,904/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$734,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,455
−HK$4,833/mo
▼ 0.25% · 3.875%
HK$91,854
−HK$2,434/mo
Today · 4.125%
HK$94,288
baseline
▲ 0.50% · 4.625%
HK$99,258
+HK$4,970/mo
Deposit HK$1.96M · loan HK$17.63M · min. income ≈ HK$188,576/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$734,653 · Scale 2, in force from 26 Feb 2026)