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$44,682
−HK$2,802/mo
▼ 0.25% · 3.875%
HK$46,072
−HK$1,412/mo
Today · 4.125%
HK$47,484
baseline
▲ 0.50% · 4.625%
HK$50,373
+HK$2,889/mo
Deposit HK$9.80M · loan HK$9.80M · min. income ≈ HK$94,968/mo (50% DSR)
Upfront cash ≈ HK$10.53M (deposit + AVD stamp duty HK$734,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,708
−HK$2,686/mo
▼ 0.25% · 3.875%
HK$51,042
−HK$1,352/mo
Today · 4.125%
HK$52,394
baseline
▲ 0.50% · 4.625%
HK$55,156
+HK$2,762/mo
Deposit HK$9.80M · loan HK$9.80M · min. income ≈ HK$104,788/mo (50% DSR)
Upfront cash ≈ HK$10.53M (deposit + AVD stamp duty HK$734,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,619
−HK$3,362/mo
▼ 0.25% · 3.875%
HK$55,286
−HK$1,695/mo
Today · 4.125%
HK$56,981
baseline
▲ 0.50% · 4.625%
HK$60,448
+HK$3,467/mo
Deposit HK$7.84M · loan HK$11.76M · min. income ≈ HK$113,962/mo (50% DSR)
Upfront cash ≈ HK$8.57M (deposit + AVD stamp duty HK$734,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,650
−HK$3,223/mo
▼ 0.25% · 3.875%
HK$61,250
−HK$1,623/mo
Today · 4.125%
HK$62,873
baseline
▲ 0.50% · 4.625%
HK$66,187
+HK$3,314/mo
Deposit HK$7.84M · loan HK$11.76M · min. income ≈ HK$125,746/mo (50% DSR)
Upfront cash ≈ HK$8.57M (deposit + AVD stamp duty HK$734,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,555
−HK$3,923/mo
▼ 0.25% · 3.875%
HK$64,501
−HK$1,977/mo
Today · 4.125%
HK$66,478
baseline
▲ 0.50% · 4.625%
HK$70,523
+HK$4,045/mo
Deposit HK$5.88M · loan HK$13.72M · min. income ≈ HK$132,956/mo (50% DSR)
Upfront cash ≈ HK$6.61M (deposit + AVD stamp duty HK$734,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,592
−HK$3,760/mo
▼ 0.25% · 3.875%
HK$71,458
−HK$1,894/mo
Today · 4.125%
HK$73,352
baseline
▲ 0.50% · 4.625%
HK$77,218
+HK$3,866/mo
Deposit HK$5.88M · loan HK$13.72M · min. income ≈ HK$146,704/mo (50% DSR)
Upfront cash ≈ HK$6.61M (deposit + AVD stamp duty HK$734,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,428
−HK$5,043/mo
▼ 0.25% · 3.875%
HK$82,930
−HK$2,541/mo
Today · 4.125%
HK$85,471
baseline
▲ 0.50% · 4.625%
HK$90,672
+HK$5,201/mo
Deposit HK$1.96M · loan HK$17.64M · min. income ≈ HK$170,942/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$734,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,475
−HK$4,834/mo
▼ 0.25% · 3.875%
HK$91,875
−HK$2,434/mo
Today · 4.125%
HK$94,309
baseline
▲ 0.50% · 4.625%
HK$99,280
+HK$4,971/mo
Deposit HK$1.96M · loan HK$17.64M · min. income ≈ HK$188,618/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$734,821 · Scale 2, in force from 26 Feb 2026)