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$44,707
−HK$2,803/mo
▼ 0.25% · 3.875%
HK$46,097
−HK$1,413/mo
Today · 4.125%
HK$47,510
baseline
▲ 0.50% · 4.625%
HK$50,401
+HK$2,891/mo
Deposit HK$9.80M · loan HK$9.80M · min. income ≈ HK$95,020/mo (50% DSR)
Upfront cash ≈ HK$10.54M (deposit + AVD stamp duty HK$735,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,736
−HK$2,687/mo
▼ 0.25% · 3.875%
HK$51,070
−HK$1,353/mo
Today · 4.125%
HK$52,423
baseline
▲ 0.50% · 4.625%
HK$55,186
+HK$2,763/mo
Deposit HK$9.80M · loan HK$9.80M · min. income ≈ HK$104,846/mo (50% DSR)
Upfront cash ≈ HK$10.54M (deposit + AVD stamp duty HK$735,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,648
−HK$3,364/mo
▼ 0.25% · 3.875%
HK$55,317
−HK$1,695/mo
Today · 4.125%
HK$57,012
baseline
▲ 0.50% · 4.625%
HK$60,482
+HK$3,470/mo
Deposit HK$7.84M · loan HK$11.76M · min. income ≈ HK$114,024/mo (50% DSR)
Upfront cash ≈ HK$8.58M (deposit + AVD stamp duty HK$735,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,683
−HK$3,225/mo
▼ 0.25% · 3.875%
HK$61,284
−HK$1,624/mo
Today · 4.125%
HK$62,908
baseline
▲ 0.50% · 4.625%
HK$66,224
+HK$3,316/mo
Deposit HK$7.84M · loan HK$11.76M · min. income ≈ HK$125,816/mo (50% DSR)
Upfront cash ≈ HK$8.58M (deposit + AVD stamp duty HK$735,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,590
−HK$3,925/mo
▼ 0.25% · 3.875%
HK$64,536
−HK$1,979/mo
Today · 4.125%
HK$66,515
baseline
▲ 0.50% · 4.625%
HK$70,562
+HK$4,047/mo
Deposit HK$5.88M · loan HK$13.72M · min. income ≈ HK$133,030/mo (50% DSR)
Upfront cash ≈ HK$6.62M (deposit + AVD stamp duty HK$735,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,630
−HK$3,762/mo
▼ 0.25% · 3.875%
HK$71,498
−HK$1,894/mo
Today · 4.125%
HK$73,392
baseline
▲ 0.50% · 4.625%
HK$77,261
+HK$3,869/mo
Deposit HK$5.88M · loan HK$13.72M · min. income ≈ HK$146,784/mo (50% DSR)
Upfront cash ≈ HK$6.62M (deposit + AVD stamp duty HK$735,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,472
−HK$5,047/mo
▼ 0.25% · 3.875%
HK$82,975
−HK$2,544/mo
Today · 4.125%
HK$85,519
baseline
▲ 0.50% · 4.625%
HK$90,722
+HK$5,203/mo
Deposit HK$1.96M · loan HK$17.65M · min. income ≈ HK$171,038/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$735,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,525
−HK$4,836/mo
▼ 0.25% · 3.875%
HK$91,926
−HK$2,435/mo
Today · 4.125%
HK$94,361
baseline
▲ 0.50% · 4.625%
HK$99,335
+HK$4,974/mo
Deposit HK$1.96M · loan HK$17.65M · min. income ≈ HK$188,722/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$735,228 · Scale 2, in force from 26 Feb 2026)