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$44,448
−HK$2,787/mo
▼ 0.25% · 3.875%
HK$45,831
−HK$1,404/mo
Today · 4.125%
HK$47,235
baseline
▲ 0.50% · 4.625%
HK$50,109
+HK$2,874/mo
Deposit HK$9.75M · loan HK$9.75M · min. income ≈ HK$94,470/mo (50% DSR)
Upfront cash ≈ HK$10.48M (deposit + AVD stamp duty HK$730,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,448
−HK$2,671/mo
▼ 0.25% · 3.875%
HK$50,774
−HK$1,345/mo
Today · 4.125%
HK$52,119
baseline
▲ 0.50% · 4.625%
HK$54,867
+HK$2,748/mo
Deposit HK$9.75M · loan HK$9.75M · min. income ≈ HK$104,238/mo (50% DSR)
Upfront cash ≈ HK$10.48M (deposit + AVD stamp duty HK$730,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,338
−HK$3,344/mo
▼ 0.25% · 3.875%
HK$54,997
−HK$1,685/mo
Today · 4.125%
HK$56,682
baseline
▲ 0.50% · 4.625%
HK$60,131
+HK$3,449/mo
Deposit HK$7.80M · loan HK$11.70M · min. income ≈ HK$113,364/mo (50% DSR)
Upfront cash ≈ HK$8.53M (deposit + AVD stamp duty HK$730,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,338
−HK$3,205/mo
▼ 0.25% · 3.875%
HK$60,929
−HK$1,614/mo
Today · 4.125%
HK$62,543
baseline
▲ 0.50% · 4.625%
HK$65,840
+HK$3,297/mo
Deposit HK$7.80M · loan HK$11.70M · min. income ≈ HK$125,086/mo (50% DSR)
Upfront cash ≈ HK$8.53M (deposit + AVD stamp duty HK$730,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,227
−HK$3,902/mo
▼ 0.25% · 3.875%
HK$64,163
−HK$1,966/mo
Today · 4.125%
HK$66,129
baseline
▲ 0.50% · 4.625%
HK$70,153
+HK$4,024/mo
Deposit HK$5.85M · loan HK$13.64M · min. income ≈ HK$132,258/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$730,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,227
−HK$3,740/mo
▼ 0.25% · 3.875%
HK$71,084
−HK$1,883/mo
Today · 4.125%
HK$72,967
baseline
▲ 0.50% · 4.625%
HK$76,813
+HK$3,846/mo
Deposit HK$5.85M · loan HK$13.64M · min. income ≈ HK$145,934/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$730,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,006
−HK$5,018/mo
▼ 0.25% · 3.875%
HK$82,495
−HK$2,529/mo
Today · 4.125%
HK$85,024
baseline
▲ 0.50% · 4.625%
HK$90,197
+HK$5,173/mo
Deposit HK$1.95M · loan HK$17.54M · min. income ≈ HK$170,048/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$730,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,006
−HK$4,809/mo
▼ 0.25% · 3.875%
HK$91,393
−HK$2,422/mo
Today · 4.125%
HK$93,815
baseline
▲ 0.50% · 4.625%
HK$98,760
+HK$4,945/mo
Deposit HK$1.95M · loan HK$17.54M · min. income ≈ HK$187,630/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$730,971 · Scale 2, in force from 26 Feb 2026)