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$44,461
−HK$2,788/mo
▼ 0.25% · 3.875%
HK$45,844
−HK$1,405/mo
Today · 4.125%
HK$47,249
baseline
▲ 0.50% · 4.625%
HK$50,124
+HK$2,875/mo
Deposit HK$9.75M · loan HK$9.75M · min. income ≈ HK$94,498/mo (50% DSR)
Upfront cash ≈ HK$10.48M (deposit + AVD stamp duty HK$731,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,463
−HK$2,672/mo
▼ 0.25% · 3.875%
HK$50,789
−HK$1,346/mo
Today · 4.125%
HK$52,135
baseline
▲ 0.50% · 4.625%
HK$54,883
+HK$2,748/mo
Deposit HK$9.75M · loan HK$9.75M · min. income ≈ HK$104,270/mo (50% DSR)
Upfront cash ≈ HK$10.48M (deposit + AVD stamp duty HK$731,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,353
−HK$3,346/mo
▼ 0.25% · 3.875%
HK$55,013
−HK$1,686/mo
Today · 4.125%
HK$56,699
baseline
▲ 0.50% · 4.625%
HK$60,149
+HK$3,450/mo
Deposit HK$7.80M · loan HK$11.70M · min. income ≈ HK$113,398/mo (50% DSR)
Upfront cash ≈ HK$8.53M (deposit + AVD stamp duty HK$731,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,355
−HK$3,207/mo
▼ 0.25% · 3.875%
HK$60,947
−HK$1,615/mo
Today · 4.125%
HK$62,562
baseline
▲ 0.50% · 4.625%
HK$65,860
+HK$3,298/mo
Deposit HK$7.80M · loan HK$11.70M · min. income ≈ HK$125,124/mo (50% DSR)
Upfront cash ≈ HK$8.53M (deposit + AVD stamp duty HK$731,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,246
−HK$3,903/mo
▼ 0.25% · 3.875%
HK$64,182
−HK$1,967/mo
Today · 4.125%
HK$66,149
baseline
▲ 0.50% · 4.625%
HK$70,174
+HK$4,025/mo
Deposit HK$5.85M · loan HK$13.65M · min. income ≈ HK$132,298/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$731,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,248
−HK$3,741/mo
▼ 0.25% · 3.875%
HK$71,105
−HK$1,884/mo
Today · 4.125%
HK$72,989
baseline
▲ 0.50% · 4.625%
HK$76,836
+HK$3,847/mo
Deposit HK$5.85M · loan HK$13.65M · min. income ≈ HK$145,978/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$731,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,030
−HK$5,019/mo
▼ 0.25% · 3.875%
HK$82,520
−HK$2,529/mo
Today · 4.125%
HK$85,049
baseline
▲ 0.50% · 4.625%
HK$90,224
+HK$5,175/mo
Deposit HK$1.95M · loan HK$17.55M · min. income ≈ HK$170,098/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$731,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,033
−HK$4,810/mo
▼ 0.25% · 3.875%
HK$91,421
−HK$2,422/mo
Today · 4.125%
HK$93,843
baseline
▲ 0.50% · 4.625%
HK$98,790
+HK$4,947/mo
Deposit HK$1.95M · loan HK$17.55M · min. income ≈ HK$187,686/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$731,188 · Scale 2, in force from 26 Feb 2026)