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$44,450
−HK$2,788/mo
▼ 0.25% · 3.875%
HK$45,833
−HK$1,405/mo
Today · 4.125%
HK$47,238
baseline
▲ 0.50% · 4.625%
HK$50,112
+HK$2,874/mo
Deposit HK$9.75M · loan HK$9.75M · min. income ≈ HK$94,476/mo (50% DSR)
Upfront cash ≈ HK$10.48M (deposit + AVD stamp duty HK$731,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,451
−HK$2,671/mo
▼ 0.25% · 3.875%
HK$50,777
−HK$1,345/mo
Today · 4.125%
HK$52,122
baseline
▲ 0.50% · 4.625%
HK$54,870
+HK$2,748/mo
Deposit HK$9.75M · loan HK$9.75M · min. income ≈ HK$104,244/mo (50% DSR)
Upfront cash ≈ HK$10.48M (deposit + AVD stamp duty HK$731,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,340
−HK$3,345/mo
▼ 0.25% · 3.875%
HK$55,000
−HK$1,685/mo
Today · 4.125%
HK$56,685
baseline
▲ 0.50% · 4.625%
HK$60,135
+HK$3,450/mo
Deposit HK$7.80M · loan HK$11.70M · min. income ≈ HK$113,370/mo (50% DSR)
Upfront cash ≈ HK$8.53M (deposit + AVD stamp duty HK$731,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,341
−HK$3,206/mo
▼ 0.25% · 3.875%
HK$60,932
−HK$1,615/mo
Today · 4.125%
HK$62,547
baseline
▲ 0.50% · 4.625%
HK$65,844
+HK$3,297/mo
Deposit HK$7.80M · loan HK$11.70M · min. income ≈ HK$125,094/mo (50% DSR)
Upfront cash ≈ HK$8.53M (deposit + AVD stamp duty HK$731,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,231
−HK$3,902/mo
▼ 0.25% · 3.875%
HK$64,166
−HK$1,967/mo
Today · 4.125%
HK$66,133
baseline
▲ 0.50% · 4.625%
HK$70,157
+HK$4,024/mo
Deposit HK$5.85M · loan HK$13.65M · min. income ≈ HK$132,266/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$731,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,231
−HK$3,740/mo
▼ 0.25% · 3.875%
HK$71,088
−HK$1,883/mo
Today · 4.125%
HK$72,971
baseline
▲ 0.50% · 4.625%
HK$76,818
+HK$3,847/mo
Deposit HK$5.85M · loan HK$13.65M · min. income ≈ HK$145,942/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$731,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,011
−HK$5,017/mo
▼ 0.25% · 3.875%
HK$82,499
−HK$2,529/mo
Today · 4.125%
HK$85,028
baseline
▲ 0.50% · 4.625%
HK$90,202
+HK$5,174/mo
Deposit HK$1.95M · loan HK$17.54M · min. income ≈ HK$170,056/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$731,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,011
−HK$4,809/mo
▼ 0.25% · 3.875%
HK$91,398
−HK$2,422/mo
Today · 4.125%
HK$93,820
baseline
▲ 0.50% · 4.625%
HK$98,765
+HK$4,945/mo
Deposit HK$1.95M · loan HK$17.54M · min. income ≈ HK$187,640/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$731,010 · Scale 2, in force from 26 Feb 2026)