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$44,696
−HK$2,802/mo
▼ 0.25% · 3.875%
HK$46,086
−HK$1,412/mo
Today · 4.125%
HK$47,498
baseline
▲ 0.50% · 4.625%
HK$50,389
+HK$2,891/mo
Deposit HK$9.80M · loan HK$9.80M · min. income ≈ HK$94,996/mo (50% DSR)
Upfront cash ≈ HK$10.54M (deposit + AVD stamp duty HK$735,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,723
−HK$2,687/mo
▼ 0.25% · 3.875%
HK$51,057
−HK$1,353/mo
Today · 4.125%
HK$52,410
baseline
▲ 0.50% · 4.625%
HK$55,172
+HK$2,762/mo
Deposit HK$9.80M · loan HK$9.80M · min. income ≈ HK$104,820/mo (50% DSR)
Upfront cash ≈ HK$10.54M (deposit + AVD stamp duty HK$735,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,635
−HK$3,363/mo
▼ 0.25% · 3.875%
HK$55,303
−HK$1,695/mo
Today · 4.125%
HK$56,998
baseline
▲ 0.50% · 4.625%
HK$60,466
+HK$3,468/mo
Deposit HK$7.84M · loan HK$11.76M · min. income ≈ HK$113,996/mo (50% DSR)
Upfront cash ≈ HK$8.58M (deposit + AVD stamp duty HK$735,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,668
−HK$3,224/mo
▼ 0.25% · 3.875%
HK$61,268
−HK$1,624/mo
Today · 4.125%
HK$62,892
baseline
▲ 0.50% · 4.625%
HK$66,207
+HK$3,315/mo
Deposit HK$7.84M · loan HK$11.76M · min. income ≈ HK$125,784/mo (50% DSR)
Upfront cash ≈ HK$8.58M (deposit + AVD stamp duty HK$735,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,574
−HK$3,924/mo
▼ 0.25% · 3.875%
HK$64,520
−HK$1,978/mo
Today · 4.125%
HK$66,498
baseline
▲ 0.50% · 4.625%
HK$70,544
+HK$4,046/mo
Deposit HK$5.88M · loan HK$13.72M · min. income ≈ HK$132,996/mo (50% DSR)
Upfront cash ≈ HK$6.62M (deposit + AVD stamp duty HK$735,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,613
−HK$3,761/mo
▼ 0.25% · 3.875%
HK$71,480
−HK$1,894/mo
Today · 4.125%
HK$73,374
baseline
▲ 0.50% · 4.625%
HK$77,241
+HK$3,867/mo
Deposit HK$5.88M · loan HK$13.72M · min. income ≈ HK$146,748/mo (50% DSR)
Upfront cash ≈ HK$6.62M (deposit + AVD stamp duty HK$735,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,452
−HK$5,045/mo
▼ 0.25% · 3.875%
HK$82,954
−HK$2,543/mo
Today · 4.125%
HK$85,497
baseline
▲ 0.50% · 4.625%
HK$90,699
+HK$5,202/mo
Deposit HK$1.96M · loan HK$17.64M · min. income ≈ HK$170,994/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$735,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,502
−HK$4,836/mo
▼ 0.25% · 3.875%
HK$91,902
−HK$2,436/mo
Today · 4.125%
HK$94,338
baseline
▲ 0.50% · 4.625%
HK$99,310
+HK$4,972/mo
Deposit HK$1.96M · loan HK$17.64M · min. income ≈ HK$188,676/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$735,042 · Scale 2, in force from 26 Feb 2026)