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$44,525
−HK$2,792/mo
▼ 0.25% · 3.875%
HK$45,910
−HK$1,407/mo
Today · 4.125%
HK$47,317
baseline
▲ 0.50% · 4.625%
HK$50,197
+HK$2,880/mo
Deposit HK$9.76M · loan HK$9.76M · min. income ≈ HK$94,634/mo (50% DSR)
Upfront cash ≈ HK$10.50M (deposit + AVD stamp duty HK$732,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,534
−HK$2,676/mo
▼ 0.25% · 3.875%
HK$50,862
−HK$1,348/mo
Today · 4.125%
HK$52,210
baseline
▲ 0.50% · 4.625%
HK$54,962
+HK$2,752/mo
Deposit HK$9.76M · loan HK$9.76M · min. income ≈ HK$104,420/mo (50% DSR)
Upfront cash ≈ HK$10.50M (deposit + AVD stamp duty HK$732,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,430
−HK$3,351/mo
▼ 0.25% · 3.875%
HK$55,092
−HK$1,689/mo
Today · 4.125%
HK$56,781
baseline
▲ 0.50% · 4.625%
HK$60,236
+HK$3,455/mo
Deposit HK$7.81M · loan HK$11.72M · min. income ≈ HK$113,562/mo (50% DSR)
Upfront cash ≈ HK$8.54M (deposit + AVD stamp duty HK$732,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,441
−HK$3,211/mo
▼ 0.25% · 3.875%
HK$61,035
−HK$1,617/mo
Today · 4.125%
HK$62,652
baseline
▲ 0.50% · 4.625%
HK$65,955
+HK$3,303/mo
Deposit HK$7.81M · loan HK$11.72M · min. income ≈ HK$125,304/mo (50% DSR)
Upfront cash ≈ HK$8.54M (deposit + AVD stamp duty HK$732,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,335
−HK$3,909/mo
▼ 0.25% · 3.875%
HK$64,274
−HK$1,970/mo
Today · 4.125%
HK$66,244
baseline
▲ 0.50% · 4.625%
HK$70,275
+HK$4,031/mo
Deposit HK$5.86M · loan HK$13.67M · min. income ≈ HK$132,488/mo (50% DSR)
Upfront cash ≈ HK$6.59M (deposit + AVD stamp duty HK$732,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,348
−HK$3,746/mo
▼ 0.25% · 3.875%
HK$71,207
−HK$1,887/mo
Today · 4.125%
HK$73,094
baseline
▲ 0.50% · 4.625%
HK$76,947
+HK$3,853/mo
Deposit HK$5.86M · loan HK$13.67M · min. income ≈ HK$146,188/mo (50% DSR)
Upfront cash ≈ HK$6.59M (deposit + AVD stamp duty HK$732,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,146
−HK$5,025/mo
▼ 0.25% · 3.875%
HK$82,639
−HK$2,532/mo
Today · 4.125%
HK$85,171
baseline
▲ 0.50% · 4.625%
HK$90,354
+HK$5,183/mo
Deposit HK$1.95M · loan HK$17.57M · min. income ≈ HK$170,342/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$732,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,161
−HK$4,817/mo
▼ 0.25% · 3.875%
HK$91,552
−HK$2,426/mo
Today · 4.125%
HK$93,978
baseline
▲ 0.50% · 4.625%
HK$98,932
+HK$4,954/mo
Deposit HK$1.95M · loan HK$17.57M · min. income ≈ HK$187,956/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$732,243 · Scale 2, in force from 26 Feb 2026)