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$44,556
−HK$2,794/mo
▼ 0.25% · 3.875%
HK$45,942
−HK$1,408/mo
Today · 4.125%
HK$47,350
baseline
▲ 0.50% · 4.625%
HK$50,231
+HK$2,881/mo
Deposit HK$9.77M · loan HK$9.77M · min. income ≈ HK$94,700/mo (50% DSR)
Upfront cash ≈ HK$10.50M (deposit + AVD stamp duty HK$732,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,568
−HK$2,678/mo
▼ 0.25% · 3.875%
HK$50,898
−HK$1,348/mo
Today · 4.125%
HK$52,246
baseline
▲ 0.50% · 4.625%
HK$55,000
+HK$2,754/mo
Deposit HK$9.77M · loan HK$9.77M · min. income ≈ HK$104,492/mo (50% DSR)
Upfront cash ≈ HK$10.50M (deposit + AVD stamp duty HK$732,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,467
−HK$3,353/mo
▼ 0.25% · 3.875%
HK$55,131
−HK$1,689/mo
Today · 4.125%
HK$56,820
baseline
▲ 0.50% · 4.625%
HK$60,278
+HK$3,458/mo
Deposit HK$7.82M · loan HK$11.72M · min. income ≈ HK$113,640/mo (50% DSR)
Upfront cash ≈ HK$8.55M (deposit + AVD stamp duty HK$732,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,482
−HK$3,214/mo
▼ 0.25% · 3.875%
HK$61,077
−HK$1,619/mo
Today · 4.125%
HK$62,696
baseline
▲ 0.50% · 4.625%
HK$66,000
+HK$3,304/mo
Deposit HK$7.82M · loan HK$11.72M · min. income ≈ HK$125,392/mo (50% DSR)
Upfront cash ≈ HK$8.55M (deposit + AVD stamp duty HK$732,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,379
−HK$3,911/mo
▼ 0.25% · 3.875%
HK$64,319
−HK$1,971/mo
Today · 4.125%
HK$66,290
baseline
▲ 0.50% · 4.625%
HK$70,324
+HK$4,034/mo
Deposit HK$5.86M · loan HK$13.68M · min. income ≈ HK$132,580/mo (50% DSR)
Upfront cash ≈ HK$6.59M (deposit + AVD stamp duty HK$732,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,396
−HK$3,749/mo
▼ 0.25% · 3.875%
HK$71,257
−HK$1,888/mo
Today · 4.125%
HK$73,145
baseline
▲ 0.50% · 4.625%
HK$77,000
+HK$3,855/mo
Deposit HK$5.86M · loan HK$13.68M · min. income ≈ HK$146,290/mo (50% DSR)
Upfront cash ≈ HK$6.59M (deposit + AVD stamp duty HK$732,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,201
−HK$5,029/mo
▼ 0.25% · 3.875%
HK$82,696
−HK$2,534/mo
Today · 4.125%
HK$85,230
baseline
▲ 0.50% · 4.625%
HK$90,417
+HK$5,187/mo
Deposit HK$1.95M · loan HK$17.59M · min. income ≈ HK$170,460/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$732,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,223
−HK$4,820/mo
▼ 0.25% · 3.875%
HK$91,616
−HK$2,427/mo
Today · 4.125%
HK$94,043
baseline
▲ 0.50% · 4.625%
HK$99,001
+HK$4,958/mo
Deposit HK$1.95M · loan HK$17.59M · min. income ≈ HK$188,086/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$732,750 · Scale 2, in force from 26 Feb 2026)