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$44,560
−HK$2,794/mo
▼ 0.25% · 3.875%
HK$45,946
−HK$1,408/mo
Today · 4.125%
HK$47,354
baseline
▲ 0.50% · 4.625%
HK$50,235
+HK$2,881/mo
Deposit HK$9.77M · loan HK$9.77M · min. income ≈ HK$94,708/mo (50% DSR)
Upfront cash ≈ HK$10.50M (deposit + AVD stamp duty HK$732,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,572
−HK$2,678/mo
▼ 0.25% · 3.875%
HK$50,902
−HK$1,348/mo
Today · 4.125%
HK$52,250
baseline
▲ 0.50% · 4.625%
HK$55,005
+HK$2,755/mo
Deposit HK$9.77M · loan HK$9.77M · min. income ≈ HK$104,500/mo (50% DSR)
Upfront cash ≈ HK$10.50M (deposit + AVD stamp duty HK$732,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,472
−HK$3,353/mo
▼ 0.25% · 3.875%
HK$55,135
−HK$1,690/mo
Today · 4.125%
HK$56,825
baseline
▲ 0.50% · 4.625%
HK$60,282
+HK$3,457/mo
Deposit HK$7.82M · loan HK$11.72M · min. income ≈ HK$113,650/mo (50% DSR)
Upfront cash ≈ HK$8.55M (deposit + AVD stamp duty HK$732,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,487
−HK$3,213/mo
▼ 0.25% · 3.875%
HK$61,082
−HK$1,618/mo
Today · 4.125%
HK$62,700
baseline
▲ 0.50% · 4.625%
HK$66,005
+HK$3,305/mo
Deposit HK$7.82M · loan HK$11.72M · min. income ≈ HK$125,400/mo (50% DSR)
Upfront cash ≈ HK$8.55M (deposit + AVD stamp duty HK$732,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,383
−HK$3,912/mo
▼ 0.25% · 3.875%
HK$64,324
−HK$1,971/mo
Today · 4.125%
HK$66,295
baseline
▲ 0.50% · 4.625%
HK$70,329
+HK$4,034/mo
Deposit HK$5.86M · loan HK$13.68M · min. income ≈ HK$132,590/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$732,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,401
−HK$3,749/mo
▼ 0.25% · 3.875%
HK$71,262
−HK$1,888/mo
Today · 4.125%
HK$73,150
baseline
▲ 0.50% · 4.625%
HK$77,006
+HK$3,856/mo
Deposit HK$5.86M · loan HK$13.68M · min. income ≈ HK$146,300/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$732,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,207
−HK$5,030/mo
▼ 0.25% · 3.875%
HK$82,702
−HK$2,535/mo
Today · 4.125%
HK$85,237
baseline
▲ 0.50% · 4.625%
HK$90,423
+HK$5,186/mo
Deposit HK$1.95M · loan HK$17.59M · min. income ≈ HK$170,474/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$732,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,230
−HK$4,821/mo
▼ 0.25% · 3.875%
HK$91,623
−HK$2,428/mo
Today · 4.125%
HK$94,051
baseline
▲ 0.50% · 4.625%
HK$99,008
+HK$4,957/mo
Deposit HK$1.95M · loan HK$17.59M · min. income ≈ HK$188,102/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$732,806 · Scale 2, in force from 26 Feb 2026)