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$44,496
−HK$2,791/mo
▼ 0.25% · 3.875%
HK$45,880
−HK$1,407/mo
Today · 4.125%
HK$47,287
baseline
▲ 0.50% · 4.625%
HK$50,164
+HK$2,877/mo
Deposit HK$9.76M · loan HK$9.76M · min. income ≈ HK$94,574/mo (50% DSR)
Upfront cash ≈ HK$10.49M (deposit + AVD stamp duty HK$731,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,502
−HK$2,674/mo
▼ 0.25% · 3.875%
HK$50,829
−HK$1,347/mo
Today · 4.125%
HK$52,176
baseline
▲ 0.50% · 4.625%
HK$54,926
+HK$2,750/mo
Deposit HK$9.76M · loan HK$9.76M · min. income ≈ HK$104,352/mo (50% DSR)
Upfront cash ≈ HK$10.49M (deposit + AVD stamp duty HK$731,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,396
−HK$3,348/mo
▼ 0.25% · 3.875%
HK$55,056
−HK$1,688/mo
Today · 4.125%
HK$56,744
baseline
▲ 0.50% · 4.625%
HK$60,197
+HK$3,453/mo
Deposit HK$7.81M · loan HK$11.71M · min. income ≈ HK$113,488/mo (50% DSR)
Upfront cash ≈ HK$8.54M (deposit + AVD stamp duty HK$731,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,402
−HK$3,209/mo
▼ 0.25% · 3.875%
HK$60,995
−HK$1,616/mo
Today · 4.125%
HK$62,611
baseline
▲ 0.50% · 4.625%
HK$65,912
+HK$3,301/mo
Deposit HK$7.81M · loan HK$11.71M · min. income ≈ HK$125,222/mo (50% DSR)
Upfront cash ≈ HK$8.54M (deposit + AVD stamp duty HK$731,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,295
−HK$3,906/mo
▼ 0.25% · 3.875%
HK$64,233
−HK$1,968/mo
Today · 4.125%
HK$66,201
baseline
▲ 0.50% · 4.625%
HK$70,229
+HK$4,028/mo
Deposit HK$5.85M · loan HK$13.66M · min. income ≈ HK$132,402/mo (50% DSR)
Upfront cash ≈ HK$6.59M (deposit + AVD stamp duty HK$731,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,302
−HK$3,745/mo
▼ 0.25% · 3.875%
HK$71,161
−HK$1,886/mo
Today · 4.125%
HK$73,047
baseline
▲ 0.50% · 4.625%
HK$76,897
+HK$3,850/mo
Deposit HK$5.85M · loan HK$13.66M · min. income ≈ HK$146,094/mo (50% DSR)
Upfront cash ≈ HK$6.59M (deposit + AVD stamp duty HK$731,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,093
−HK$5,023/mo
▼ 0.25% · 3.875%
HK$82,585
−HK$2,531/mo
Today · 4.125%
HK$85,116
baseline
▲ 0.50% · 4.625%
HK$90,295
+HK$5,179/mo
Deposit HK$1.95M · loan HK$17.56M · min. income ≈ HK$170,232/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$731,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,103
−HK$4,814/mo
▼ 0.25% · 3.875%
HK$91,493
−HK$2,424/mo
Today · 4.125%
HK$93,917
baseline
▲ 0.50% · 4.625%
HK$98,867
+HK$4,950/mo
Deposit HK$1.95M · loan HK$17.56M · min. income ≈ HK$187,834/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$731,765 · Scale 2, in force from 26 Feb 2026)