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$44,473
−HK$2,789/mo
▼ 0.25% · 3.875%
HK$45,857
−HK$1,405/mo
Today · 4.125%
HK$47,262
baseline
▲ 0.50% · 4.625%
HK$50,138
+HK$2,876/mo
Deposit HK$9.75M · loan HK$9.75M · min. income ≈ HK$94,524/mo (50% DSR)
Upfront cash ≈ HK$10.48M (deposit + AVD stamp duty HK$731,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,476
−HK$2,673/mo
▼ 0.25% · 3.875%
HK$50,803
−HK$1,346/mo
Today · 4.125%
HK$52,149
baseline
▲ 0.50% · 4.625%
HK$54,898
+HK$2,749/mo
Deposit HK$9.75M · loan HK$9.75M · min. income ≈ HK$104,298/mo (50% DSR)
Upfront cash ≈ HK$10.48M (deposit + AVD stamp duty HK$731,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,368
−HK$3,347/mo
▼ 0.25% · 3.875%
HK$55,028
−HK$1,687/mo
Today · 4.125%
HK$56,715
baseline
▲ 0.50% · 4.625%
HK$60,166
+HK$3,451/mo
Deposit HK$7.80M · loan HK$11.70M · min. income ≈ HK$113,430/mo (50% DSR)
Upfront cash ≈ HK$8.53M (deposit + AVD stamp duty HK$731,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,371
−HK$3,208/mo
▼ 0.25% · 3.875%
HK$60,964
−HK$1,615/mo
Today · 4.125%
HK$62,579
baseline
▲ 0.50% · 4.625%
HK$65,878
+HK$3,299/mo
Deposit HK$7.80M · loan HK$11.70M · min. income ≈ HK$125,158/mo (50% DSR)
Upfront cash ≈ HK$8.53M (deposit + AVD stamp duty HK$731,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,263
−HK$3,904/mo
▼ 0.25% · 3.875%
HK$64,199
−HK$1,968/mo
Today · 4.125%
HK$66,167
baseline
▲ 0.50% · 4.625%
HK$70,193
+HK$4,026/mo
Deposit HK$5.85M · loan HK$13.65M · min. income ≈ HK$132,334/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$731,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,267
−HK$3,742/mo
▼ 0.25% · 3.875%
HK$71,124
−HK$1,885/mo
Today · 4.125%
HK$73,009
baseline
▲ 0.50% · 4.625%
HK$76,857
+HK$3,848/mo
Deposit HK$5.85M · loan HK$13.65M · min. income ≈ HK$146,018/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$731,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,052
−HK$5,020/mo
▼ 0.25% · 3.875%
HK$82,542
−HK$2,530/mo
Today · 4.125%
HK$85,072
baseline
▲ 0.50% · 4.625%
HK$90,248
+HK$5,176/mo
Deposit HK$1.95M · loan HK$17.55M · min. income ≈ HK$170,144/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$731,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,057
−HK$4,812/mo
▼ 0.25% · 3.875%
HK$91,446
−HK$2,423/mo
Today · 4.125%
HK$93,869
baseline
▲ 0.50% · 4.625%
HK$98,817
+HK$4,948/mo
Deposit HK$1.95M · loan HK$17.55M · min. income ≈ HK$187,738/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$731,388 · Scale 2, in force from 26 Feb 2026)