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$44,468
−HK$2,789/mo
▼ 0.25% · 3.875%
HK$45,851
−HK$1,406/mo
Today · 4.125%
HK$47,257
baseline
▲ 0.50% · 4.625%
HK$50,132
+HK$2,875/mo
Deposit HK$9.75M · loan HK$9.75M · min. income ≈ HK$94,514/mo (50% DSR)
Upfront cash ≈ HK$10.48M (deposit + AVD stamp duty HK$731,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,470
−HK$2,673/mo
▼ 0.25% · 3.875%
HK$50,797
−HK$1,346/mo
Today · 4.125%
HK$52,143
baseline
▲ 0.50% · 4.625%
HK$54,892
+HK$2,749/mo
Deposit HK$9.75M · loan HK$9.75M · min. income ≈ HK$104,286/mo (50% DSR)
Upfront cash ≈ HK$10.48M (deposit + AVD stamp duty HK$731,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,362
−HK$3,346/mo
▼ 0.25% · 3.875%
HK$55,022
−HK$1,686/mo
Today · 4.125%
HK$56,708
baseline
▲ 0.50% · 4.625%
HK$60,158
+HK$3,450/mo
Deposit HK$7.80M · loan HK$11.70M · min. income ≈ HK$113,416/mo (50% DSR)
Upfront cash ≈ HK$8.53M (deposit + AVD stamp duty HK$731,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,364
−HK$3,208/mo
▼ 0.25% · 3.875%
HK$60,956
−HK$1,616/mo
Today · 4.125%
HK$62,572
baseline
▲ 0.50% · 4.625%
HK$65,870
+HK$3,298/mo
Deposit HK$7.80M · loan HK$11.70M · min. income ≈ HK$125,144/mo (50% DSR)
Upfront cash ≈ HK$8.53M (deposit + AVD stamp duty HK$731,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,255
−HK$3,904/mo
▼ 0.25% · 3.875%
HK$64,192
−HK$1,967/mo
Today · 4.125%
HK$66,159
baseline
▲ 0.50% · 4.625%
HK$70,185
+HK$4,026/mo
Deposit HK$5.85M · loan HK$13.65M · min. income ≈ HK$132,318/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$731,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,258
−HK$3,742/mo
▼ 0.25% · 3.875%
HK$71,116
−HK$1,884/mo
Today · 4.125%
HK$73,000
baseline
▲ 0.50% · 4.625%
HK$76,848
+HK$3,848/mo
Deposit HK$5.85M · loan HK$13.65M · min. income ≈ HK$146,000/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$731,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,042
−HK$5,020/mo
▼ 0.25% · 3.875%
HK$82,532
−HK$2,530/mo
Today · 4.125%
HK$85,062
baseline
▲ 0.50% · 4.625%
HK$90,238
+HK$5,176/mo
Deposit HK$1.95M · loan HK$17.55M · min. income ≈ HK$170,124/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$731,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,046
−HK$4,811/mo
▼ 0.25% · 3.875%
HK$91,435
−HK$2,422/mo
Today · 4.125%
HK$93,857
baseline
▲ 0.50% · 4.625%
HK$98,805
+HK$4,948/mo
Deposit HK$1.95M · loan HK$17.55M · min. income ≈ HK$187,714/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$731,301 · Scale 2, in force from 26 Feb 2026)