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$44,435
−HK$2,787/mo
▼ 0.25% · 3.875%
HK$45,817
−HK$1,405/mo
Today · 4.125%
HK$47,222
baseline
▲ 0.50% · 4.625%
HK$50,095
+HK$2,873/mo
Deposit HK$9.74M · loan HK$9.74M · min. income ≈ HK$94,444/mo (50% DSR)
Upfront cash ≈ HK$10.47M (deposit + AVD stamp duty HK$730,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,434
−HK$2,670/mo
▼ 0.25% · 3.875%
HK$50,759
−HK$1,345/mo
Today · 4.125%
HK$52,104
baseline
▲ 0.50% · 4.625%
HK$54,851
+HK$2,747/mo
Deposit HK$9.74M · loan HK$9.74M · min. income ≈ HK$104,208/mo (50% DSR)
Upfront cash ≈ HK$10.47M (deposit + AVD stamp duty HK$730,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,322
−HK$3,344/mo
▼ 0.25% · 3.875%
HK$54,981
−HK$1,685/mo
Today · 4.125%
HK$56,666
baseline
▲ 0.50% · 4.625%
HK$60,114
+HK$3,448/mo
Deposit HK$7.79M · loan HK$11.69M · min. income ≈ HK$113,332/mo (50% DSR)
Upfront cash ≈ HK$8.53M (deposit + AVD stamp duty HK$730,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,320
−HK$3,205/mo
▼ 0.25% · 3.875%
HK$60,911
−HK$1,614/mo
Today · 4.125%
HK$62,525
baseline
▲ 0.50% · 4.625%
HK$65,821
+HK$3,296/mo
Deposit HK$7.79M · loan HK$11.69M · min. income ≈ HK$125,050/mo (50% DSR)
Upfront cash ≈ HK$8.53M (deposit + AVD stamp duty HK$730,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,209
−HK$3,901/mo
▼ 0.25% · 3.875%
HK$64,144
−HK$1,966/mo
Today · 4.125%
HK$66,110
baseline
▲ 0.50% · 4.625%
HK$70,133
+HK$4,023/mo
Deposit HK$5.85M · loan HK$13.64M · min. income ≈ HK$132,220/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$730,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,207
−HK$3,739/mo
▼ 0.25% · 3.875%
HK$71,063
−HK$1,883/mo
Today · 4.125%
HK$72,946
baseline
▲ 0.50% · 4.625%
HK$76,791
+HK$3,845/mo
Deposit HK$5.85M · loan HK$13.64M · min. income ≈ HK$145,892/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$730,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,983
−HK$5,016/mo
▼ 0.25% · 3.875%
HK$82,471
−HK$2,528/mo
Today · 4.125%
HK$84,999
baseline
▲ 0.50% · 4.625%
HK$90,171
+HK$5,172/mo
Deposit HK$1.95M · loan HK$17.54M · min. income ≈ HK$169,998/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$730,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,980
−HK$4,808/mo
▼ 0.25% · 3.875%
HK$91,367
−HK$2,421/mo
Today · 4.125%
HK$93,788
baseline
▲ 0.50% · 4.625%
HK$98,731
+HK$4,943/mo
Deposit HK$1.95M · loan HK$17.54M · min. income ≈ HK$187,576/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$730,758 · Scale 2, in force from 26 Feb 2026)