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$44,374
−HK$2,783/mo
▼ 0.25% · 3.875%
HK$45,754
−HK$1,403/mo
Today · 4.125%
HK$47,157
baseline
▲ 0.50% · 4.625%
HK$50,026
+HK$2,869/mo
Deposit HK$9.73M · loan HK$9.73M · min. income ≈ HK$94,314/mo (50% DSR)
Upfront cash ≈ HK$10.46M (deposit + AVD stamp duty HK$729,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,366
−HK$2,667/mo
▼ 0.25% · 3.875%
HK$50,690
−HK$1,343/mo
Today · 4.125%
HK$52,033
baseline
▲ 0.50% · 4.625%
HK$54,776
+HK$2,743/mo
Deposit HK$9.73M · loan HK$9.73M · min. income ≈ HK$104,066/mo (50% DSR)
Upfront cash ≈ HK$10.46M (deposit + AVD stamp duty HK$729,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,249
−HK$3,339/mo
▼ 0.25% · 3.875%
HK$54,905
−HK$1,683/mo
Today · 4.125%
HK$56,588
baseline
▲ 0.50% · 4.625%
HK$60,031
+HK$3,443/mo
Deposit HK$7.78M · loan HK$11.68M · min. income ≈ HK$113,176/mo (50% DSR)
Upfront cash ≈ HK$8.51M (deposit + AVD stamp duty HK$729,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,239
−HK$3,200/mo
▼ 0.25% · 3.875%
HK$60,828
−HK$1,611/mo
Today · 4.125%
HK$62,439
baseline
▲ 0.50% · 4.625%
HK$65,731
+HK$3,292/mo
Deposit HK$7.78M · loan HK$11.68M · min. income ≈ HK$124,878/mo (50% DSR)
Upfront cash ≈ HK$8.51M (deposit + AVD stamp duty HK$729,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,124
−HK$3,895/mo
▼ 0.25% · 3.875%
HK$64,056
−HK$1,963/mo
Today · 4.125%
HK$66,019
baseline
▲ 0.50% · 4.625%
HK$70,037
+HK$4,018/mo
Deposit HK$5.84M · loan HK$13.62M · min. income ≈ HK$132,038/mo (50% DSR)
Upfront cash ≈ HK$6.57M (deposit + AVD stamp duty HK$729,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,112
−HK$3,734/mo
▼ 0.25% · 3.875%
HK$70,966
−HK$1,880/mo
Today · 4.125%
HK$72,846
baseline
▲ 0.50% · 4.625%
HK$76,686
+HK$3,840/mo
Deposit HK$5.84M · loan HK$13.62M · min. income ≈ HK$145,692/mo (50% DSR)
Upfront cash ≈ HK$6.57M (deposit + AVD stamp duty HK$729,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,873
−HK$5,009/mo
▼ 0.25% · 3.875%
HK$82,358
−HK$2,524/mo
Today · 4.125%
HK$84,882
baseline
▲ 0.50% · 4.625%
HK$90,047
+HK$5,165/mo
Deposit HK$1.95M · loan HK$17.51M · min. income ≈ HK$169,764/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$729,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,858
−HK$4,801/mo
▼ 0.25% · 3.875%
HK$91,241
−HK$2,418/mo
Today · 4.125%
HK$93,659
baseline
▲ 0.50% · 4.625%
HK$98,596
+HK$4,937/mo
Deposit HK$1.95M · loan HK$17.51M · min. income ≈ HK$187,318/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$729,755 · Scale 2, in force from 26 Feb 2026)