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$44,690
−HK$2,802/mo
▼ 0.25% · 3.875%
HK$46,080
−HK$1,412/mo
Today · 4.125%
HK$47,492
baseline
▲ 0.50% · 4.625%
HK$50,382
+HK$2,890/mo
Deposit HK$9.80M · loan HK$9.80M · min. income ≈ HK$94,984/mo (50% DSR)
Upfront cash ≈ HK$10.53M (deposit + AVD stamp duty HK$734,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,717
−HK$2,686/mo
▼ 0.25% · 3.875%
HK$51,050
−HK$1,353/mo
Today · 4.125%
HK$52,403
baseline
▲ 0.50% · 4.625%
HK$55,165
+HK$2,762/mo
Deposit HK$9.80M · loan HK$9.80M · min. income ≈ HK$104,806/mo (50% DSR)
Upfront cash ≈ HK$10.53M (deposit + AVD stamp duty HK$734,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,628
−HK$3,363/mo
▼ 0.25% · 3.875%
HK$55,296
−HK$1,695/mo
Today · 4.125%
HK$56,991
baseline
▲ 0.50% · 4.625%
HK$60,458
+HK$3,467/mo
Deposit HK$7.84M · loan HK$11.76M · min. income ≈ HK$113,982/mo (50% DSR)
Upfront cash ≈ HK$8.57M (deposit + AVD stamp duty HK$734,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,660
−HK$3,223/mo
▼ 0.25% · 3.875%
HK$61,260
−HK$1,623/mo
Today · 4.125%
HK$62,883
baseline
▲ 0.50% · 4.625%
HK$66,198
+HK$3,315/mo
Deposit HK$7.84M · loan HK$11.76M · min. income ≈ HK$125,766/mo (50% DSR)
Upfront cash ≈ HK$8.57M (deposit + AVD stamp duty HK$734,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,566
−HK$3,923/mo
▼ 0.25% · 3.875%
HK$64,512
−HK$1,977/mo
Today · 4.125%
HK$66,489
baseline
▲ 0.50% · 4.625%
HK$70,535
+HK$4,046/mo
Deposit HK$5.88M · loan HK$13.72M · min. income ≈ HK$132,978/mo (50% DSR)
Upfront cash ≈ HK$6.61M (deposit + AVD stamp duty HK$734,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,604
−HK$3,760/mo
▼ 0.25% · 3.875%
HK$71,470
−HK$1,894/mo
Today · 4.125%
HK$73,364
baseline
▲ 0.50% · 4.625%
HK$77,231
+HK$3,867/mo
Deposit HK$5.88M · loan HK$13.72M · min. income ≈ HK$146,728/mo (50% DSR)
Upfront cash ≈ HK$6.61M (deposit + AVD stamp duty HK$734,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,441
−HK$5,045/mo
▼ 0.25% · 3.875%
HK$82,944
−HK$2,542/mo
Today · 4.125%
HK$85,486
baseline
▲ 0.50% · 4.625%
HK$90,687
+HK$5,201/mo
Deposit HK$1.96M · loan HK$17.64M · min. income ≈ HK$170,972/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$734,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,490
−HK$4,835/mo
▼ 0.25% · 3.875%
HK$91,890
−HK$2,435/mo
Today · 4.125%
HK$94,325
baseline
▲ 0.50% · 4.625%
HK$99,297
+HK$4,972/mo
Deposit HK$1.96M · loan HK$17.64M · min. income ≈ HK$188,650/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$734,946 · Scale 2, in force from 26 Feb 2026)