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$44,817
−HK$2,811/mo
▼ 0.25% · 3.875%
HK$46,211
−HK$1,417/mo
Today · 4.125%
HK$47,628
baseline
▲ 0.50% · 4.625%
HK$50,526
+HK$2,898/mo
Deposit HK$9.83M · loan HK$9.83M · min. income ≈ HK$95,256/mo (50% DSR)
Upfront cash ≈ HK$10.56M (deposit + AVD stamp duty HK$737,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,859
−HK$2,693/mo
▼ 0.25% · 3.875%
HK$51,196
−HK$1,356/mo
Today · 4.125%
HK$52,552
baseline
▲ 0.50% · 4.625%
HK$55,323
+HK$2,771/mo
Deposit HK$9.83M · loan HK$9.83M · min. income ≈ HK$105,104/mo (50% DSR)
Upfront cash ≈ HK$10.56M (deposit + AVD stamp duty HK$737,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,781
−HK$3,372/mo
▼ 0.25% · 3.875%
HK$55,454
−HK$1,699/mo
Today · 4.125%
HK$57,153
baseline
▲ 0.50% · 4.625%
HK$60,631
+HK$3,478/mo
Deposit HK$7.86M · loan HK$11.79M · min. income ≈ HK$114,306/mo (50% DSR)
Upfront cash ≈ HK$8.60M (deposit + AVD stamp duty HK$737,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,830
−HK$3,233/mo
▼ 0.25% · 3.875%
HK$61,435
−HK$1,628/mo
Today · 4.125%
HK$63,063
baseline
▲ 0.50% · 4.625%
HK$66,387
+HK$3,324/mo
Deposit HK$7.86M · loan HK$11.79M · min. income ≈ HK$126,126/mo (50% DSR)
Upfront cash ≈ HK$8.60M (deposit + AVD stamp duty HK$737,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,744
−HK$3,935/mo
▼ 0.25% · 3.875%
HK$64,696
−HK$1,983/mo
Today · 4.125%
HK$66,679
baseline
▲ 0.50% · 4.625%
HK$70,736
+HK$4,057/mo
Deposit HK$5.90M · loan HK$13.76M · min. income ≈ HK$133,358/mo (50% DSR)
Upfront cash ≈ HK$6.63M (deposit + AVD stamp duty HK$737,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,802
−HK$3,771/mo
▼ 0.25% · 3.875%
HK$71,674
−HK$1,899/mo
Today · 4.125%
HK$73,573
baseline
▲ 0.50% · 4.625%
HK$77,452
+HK$3,879/mo
Deposit HK$5.90M · loan HK$13.76M · min. income ≈ HK$147,146/mo (50% DSR)
Upfront cash ≈ HK$6.63M (deposit + AVD stamp duty HK$737,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,671
−HK$5,059/mo
▼ 0.25% · 3.875%
HK$83,180
−HK$2,550/mo
Today · 4.125%
HK$85,730
baseline
▲ 0.50% · 4.625%
HK$90,946
+HK$5,216/mo
Deposit HK$1.97M · loan HK$17.69M · min. income ≈ HK$171,460/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$737,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,746
−HK$4,848/mo
▼ 0.25% · 3.875%
HK$92,153
−HK$2,441/mo
Today · 4.125%
HK$94,594
baseline
▲ 0.50% · 4.625%
HK$99,581
+HK$4,987/mo
Deposit HK$1.97M · loan HK$17.69M · min. income ≈ HK$189,188/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$737,043 · Scale 2, in force from 26 Feb 2026)