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$44,766
−HK$2,808/mo
▼ 0.25% · 3.875%
HK$46,159
−HK$1,415/mo
Today · 4.125%
HK$47,574
baseline
▲ 0.50% · 4.625%
HK$50,468
+HK$2,894/mo
Deposit HK$9.82M · loan HK$9.82M · min. income ≈ HK$95,148/mo (50% DSR)
Upfront cash ≈ HK$10.55M (deposit + AVD stamp duty HK$736,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,802
−HK$2,691/mo
▼ 0.25% · 3.875%
HK$51,138
−HK$1,355/mo
Today · 4.125%
HK$52,493
baseline
▲ 0.50% · 4.625%
HK$55,260
+HK$2,767/mo
Deposit HK$9.82M · loan HK$9.82M · min. income ≈ HK$104,986/mo (50% DSR)
Upfront cash ≈ HK$10.55M (deposit + AVD stamp duty HK$736,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,720
−HK$3,368/mo
▼ 0.25% · 3.875%
HK$55,391
−HK$1,697/mo
Today · 4.125%
HK$57,088
baseline
▲ 0.50% · 4.625%
HK$60,562
+HK$3,474/mo
Deposit HK$7.85M · loan HK$11.78M · min. income ≈ HK$114,176/mo (50% DSR)
Upfront cash ≈ HK$8.59M (deposit + AVD stamp duty HK$736,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,763
−HK$3,228/mo
▼ 0.25% · 3.875%
HK$61,365
−HK$1,626/mo
Today · 4.125%
HK$62,991
baseline
▲ 0.50% · 4.625%
HK$66,312
+HK$3,321/mo
Deposit HK$7.85M · loan HK$11.78M · min. income ≈ HK$125,982/mo (50% DSR)
Upfront cash ≈ HK$8.59M (deposit + AVD stamp duty HK$736,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,673
−HK$3,930/mo
▼ 0.25% · 3.875%
HK$64,623
−HK$1,980/mo
Today · 4.125%
HK$66,603
baseline
▲ 0.50% · 4.625%
HK$70,656
+HK$4,053/mo
Deposit HK$5.89M · loan HK$13.74M · min. income ≈ HK$133,206/mo (50% DSR)
Upfront cash ≈ HK$6.63M (deposit + AVD stamp duty HK$736,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,723
−HK$3,767/mo
▼ 0.25% · 3.875%
HK$71,593
−HK$1,897/mo
Today · 4.125%
HK$73,490
baseline
▲ 0.50% · 4.625%
HK$77,364
+HK$3,874/mo
Deposit HK$5.89M · loan HK$13.74M · min. income ≈ HK$146,980/mo (50% DSR)
Upfront cash ≈ HK$6.63M (deposit + AVD stamp duty HK$736,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,580
−HK$5,053/mo
▼ 0.25% · 3.875%
HK$83,086
−HK$2,547/mo
Today · 4.125%
HK$85,633
baseline
▲ 0.50% · 4.625%
HK$90,843
+HK$5,210/mo
Deposit HK$1.96M · loan HK$17.67M · min. income ≈ HK$171,266/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$736,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,644
−HK$4,843/mo
▼ 0.25% · 3.875%
HK$92,048
−HK$2,439/mo
Today · 4.125%
HK$94,487
baseline
▲ 0.50% · 4.625%
HK$99,468
+HK$4,981/mo
Deposit HK$1.96M · loan HK$17.67M · min. income ≈ HK$188,974/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$736,208 · Scale 2, in force from 26 Feb 2026)