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$44,680
−HK$2,802/mo
▼ 0.25% · 3.875%
HK$46,070
−HK$1,412/mo
Today · 4.125%
HK$47,482
baseline
▲ 0.50% · 4.625%
HK$50,371
+HK$2,889/mo
Deposit HK$9.80M · loan HK$9.80M · min. income ≈ HK$94,964/mo (50% DSR)
Upfront cash ≈ HK$10.53M (deposit + AVD stamp duty HK$734,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,706
−HK$2,686/mo
▼ 0.25% · 3.875%
HK$51,039
−HK$1,353/mo
Today · 4.125%
HK$52,392
baseline
▲ 0.50% · 4.625%
HK$55,153
+HK$2,761/mo
Deposit HK$9.80M · loan HK$9.80M · min. income ≈ HK$104,784/mo (50% DSR)
Upfront cash ≈ HK$10.53M (deposit + AVD stamp duty HK$734,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,616
−HK$3,363/mo
▼ 0.25% · 3.875%
HK$55,284
−HK$1,695/mo
Today · 4.125%
HK$56,979
baseline
▲ 0.50% · 4.625%
HK$60,446
+HK$3,467/mo
Deposit HK$7.84M · loan HK$11.76M · min. income ≈ HK$113,958/mo (50% DSR)
Upfront cash ≈ HK$8.57M (deposit + AVD stamp duty HK$734,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,648
−HK$3,222/mo
▼ 0.25% · 3.875%
HK$61,247
−HK$1,623/mo
Today · 4.125%
HK$62,870
baseline
▲ 0.50% · 4.625%
HK$66,184
+HK$3,314/mo
Deposit HK$7.84M · loan HK$11.76M · min. income ≈ HK$125,740/mo (50% DSR)
Upfront cash ≈ HK$8.57M (deposit + AVD stamp duty HK$734,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,552
−HK$3,923/mo
▼ 0.25% · 3.875%
HK$64,498
−HK$1,977/mo
Today · 4.125%
HK$66,475
baseline
▲ 0.50% · 4.625%
HK$70,520
+HK$4,045/mo
Deposit HK$5.88M · loan HK$13.72M · min. income ≈ HK$132,950/mo (50% DSR)
Upfront cash ≈ HK$6.61M (deposit + AVD stamp duty HK$734,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,589
−HK$3,760/mo
▼ 0.25% · 3.875%
HK$71,455
−HK$1,894/mo
Today · 4.125%
HK$73,349
baseline
▲ 0.50% · 4.625%
HK$77,215
+HK$3,866/mo
Deposit HK$5.88M · loan HK$13.72M · min. income ≈ HK$146,698/mo (50% DSR)
Upfront cash ≈ HK$6.61M (deposit + AVD stamp duty HK$734,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,425
−HK$5,043/mo
▼ 0.25% · 3.875%
HK$82,926
−HK$2,542/mo
Today · 4.125%
HK$85,468
baseline
▲ 0.50% · 4.625%
HK$90,668
+HK$5,200/mo
Deposit HK$1.96M · loan HK$17.63M · min. income ≈ HK$170,936/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$734,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,471
−HK$4,834/mo
▼ 0.25% · 3.875%
HK$91,871
−HK$2,434/mo
Today · 4.125%
HK$94,305
baseline
▲ 0.50% · 4.625%
HK$99,276
+HK$4,971/mo
Deposit HK$1.96M · loan HK$17.63M · min. income ≈ HK$188,610/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$734,791 · Scale 2, in force from 26 Feb 2026)