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$44,744
−HK$2,806/mo
▼ 0.25% · 3.875%
HK$46,136
−HK$1,414/mo
Today · 4.125%
HK$47,550
baseline
▲ 0.50% · 4.625%
HK$50,444
+HK$2,894/mo
Deposit HK$9.81M · loan HK$9.81M · min. income ≈ HK$95,100/mo (50% DSR)
Upfront cash ≈ HK$10.55M (deposit + AVD stamp duty HK$735,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,778
−HK$2,689/mo
▼ 0.25% · 3.875%
HK$51,113
−HK$1,354/mo
Today · 4.125%
HK$52,467
baseline
▲ 0.50% · 4.625%
HK$55,233
+HK$2,766/mo
Deposit HK$9.81M · loan HK$9.81M · min. income ≈ HK$104,934/mo (50% DSR)
Upfront cash ≈ HK$10.55M (deposit + AVD stamp duty HK$735,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,693
−HK$3,367/mo
▼ 0.25% · 3.875%
HK$55,363
−HK$1,697/mo
Today · 4.125%
HK$57,060
baseline
▲ 0.50% · 4.625%
HK$60,532
+HK$3,472/mo
Deposit HK$7.85M · loan HK$11.77M · min. income ≈ HK$114,120/mo (50% DSR)
Upfront cash ≈ HK$8.58M (deposit + AVD stamp duty HK$735,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,733
−HK$3,227/mo
▼ 0.25% · 3.875%
HK$61,335
−HK$1,625/mo
Today · 4.125%
HK$62,960
baseline
▲ 0.50% · 4.625%
HK$66,279
+HK$3,319/mo
Deposit HK$7.85M · loan HK$11.77M · min. income ≈ HK$125,920/mo (50% DSR)
Upfront cash ≈ HK$8.58M (deposit + AVD stamp duty HK$735,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,642
−HK$3,928/mo
▼ 0.25% · 3.875%
HK$64,591
−HK$1,979/mo
Today · 4.125%
HK$66,570
baseline
▲ 0.50% · 4.625%
HK$70,621
+HK$4,051/mo
Deposit HK$5.89M · loan HK$13.74M · min. income ≈ HK$133,140/mo (50% DSR)
Upfront cash ≈ HK$6.62M (deposit + AVD stamp duty HK$735,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,689
−HK$3,765/mo
▼ 0.25% · 3.875%
HK$71,558
−HK$1,896/mo
Today · 4.125%
HK$73,454
baseline
▲ 0.50% · 4.625%
HK$77,326
+HK$3,872/mo
Deposit HK$5.89M · loan HK$13.74M · min. income ≈ HK$146,908/mo (50% DSR)
Upfront cash ≈ HK$6.62M (deposit + AVD stamp duty HK$735,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,540
−HK$5,051/mo
▼ 0.25% · 3.875%
HK$83,045
−HK$2,546/mo
Today · 4.125%
HK$85,591
baseline
▲ 0.50% · 4.625%
HK$90,799
+HK$5,208/mo
Deposit HK$1.96M · loan HK$17.66M · min. income ≈ HK$171,182/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$735,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,600
−HK$4,841/mo
▼ 0.25% · 3.875%
HK$92,003
−HK$2,438/mo
Today · 4.125%
HK$94,441
baseline
▲ 0.50% · 4.625%
HK$99,419
+HK$4,978/mo
Deposit HK$1.96M · loan HK$17.66M · min. income ≈ HK$188,882/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$735,846 · Scale 2, in force from 26 Feb 2026)