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$44,482
−HK$2,790/mo
▼ 0.25% · 3.875%
HK$45,866
−HK$1,406/mo
Today · 4.125%
HK$47,272
baseline
▲ 0.50% · 4.625%
HK$50,148
+HK$2,876/mo
Deposit HK$9.75M · loan HK$9.75M · min. income ≈ HK$94,544/mo (50% DSR)
Upfront cash ≈ HK$10.49M (deposit + AVD stamp duty HK$731,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,486
−HK$2,674/mo
▼ 0.25% · 3.875%
HK$50,813
−HK$1,347/mo
Today · 4.125%
HK$52,160
baseline
▲ 0.50% · 4.625%
HK$54,909
+HK$2,749/mo
Deposit HK$9.75M · loan HK$9.75M · min. income ≈ HK$104,320/mo (50% DSR)
Upfront cash ≈ HK$10.49M (deposit + AVD stamp duty HK$731,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,379
−HK$3,347/mo
▼ 0.25% · 3.875%
HK$55,039
−HK$1,687/mo
Today · 4.125%
HK$56,726
baseline
▲ 0.50% · 4.625%
HK$60,178
+HK$3,452/mo
Deposit HK$7.80M · loan HK$11.70M · min. income ≈ HK$113,452/mo (50% DSR)
Upfront cash ≈ HK$8.53M (deposit + AVD stamp duty HK$731,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,383
−HK$3,209/mo
▼ 0.25% · 3.875%
HK$60,976
−HK$1,616/mo
Today · 4.125%
HK$62,592
baseline
▲ 0.50% · 4.625%
HK$65,891
+HK$3,299/mo
Deposit HK$7.80M · loan HK$11.70M · min. income ≈ HK$125,184/mo (50% DSR)
Upfront cash ≈ HK$8.53M (deposit + AVD stamp duty HK$731,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,275
−HK$3,905/mo
▼ 0.25% · 3.875%
HK$64,212
−HK$1,968/mo
Today · 4.125%
HK$66,180
baseline
▲ 0.50% · 4.625%
HK$70,207
+HK$4,027/mo
Deposit HK$5.85M · loan HK$13.66M · min. income ≈ HK$132,360/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$731,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,281
−HK$3,743/mo
▼ 0.25% · 3.875%
HK$71,139
−HK$1,885/mo
Today · 4.125%
HK$73,024
baseline
▲ 0.50% · 4.625%
HK$76,873
+HK$3,849/mo
Deposit HK$5.85M · loan HK$13.66M · min. income ≈ HK$146,048/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$731,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,068
−HK$5,021/mo
▼ 0.25% · 3.875%
HK$82,559
−HK$2,530/mo
Today · 4.125%
HK$85,089
baseline
▲ 0.50% · 4.625%
HK$90,267
+HK$5,178/mo
Deposit HK$1.95M · loan HK$17.56M · min. income ≈ HK$170,178/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$731,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,075
−HK$4,812/mo
▼ 0.25% · 3.875%
HK$91,464
−HK$2,423/mo
Today · 4.125%
HK$93,887
baseline
▲ 0.50% · 4.625%
HK$98,836
+HK$4,949/mo
Deposit HK$1.95M · loan HK$17.56M · min. income ≈ HK$187,774/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$731,534 · Scale 2, in force from 26 Feb 2026)