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$44,787
−HK$2,809/mo
▼ 0.25% · 3.875%
HK$46,181
−HK$1,415/mo
Today · 4.125%
HK$47,596
baseline
▲ 0.50% · 4.625%
HK$50,492
+HK$2,896/mo
Deposit HK$9.82M · loan HK$9.82M · min. income ≈ HK$95,192/mo (50% DSR)
Upfront cash ≈ HK$10.56M (deposit + AVD stamp duty HK$736,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,826
−HK$2,692/mo
▼ 0.25% · 3.875%
HK$51,162
−HK$1,356/mo
Today · 4.125%
HK$52,518
baseline
▲ 0.50% · 4.625%
HK$55,286
+HK$2,768/mo
Deposit HK$9.82M · loan HK$9.82M · min. income ≈ HK$105,036/mo (50% DSR)
Upfront cash ≈ HK$10.56M (deposit + AVD stamp duty HK$736,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,745
−HK$3,370/mo
▼ 0.25% · 3.875%
HK$55,417
−HK$1,698/mo
Today · 4.125%
HK$57,115
baseline
▲ 0.50% · 4.625%
HK$60,591
+HK$3,476/mo
Deposit HK$7.86M · loan HK$11.78M · min. income ≈ HK$114,230/mo (50% DSR)
Upfront cash ≈ HK$8.59M (deposit + AVD stamp duty HK$736,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,791
−HK$3,230/mo
▼ 0.25% · 3.875%
HK$61,394
−HK$1,627/mo
Today · 4.125%
HK$63,021
baseline
▲ 0.50% · 4.625%
HK$66,343
+HK$3,322/mo
Deposit HK$7.86M · loan HK$11.78M · min. income ≈ HK$126,042/mo (50% DSR)
Upfront cash ≈ HK$8.59M (deposit + AVD stamp duty HK$736,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,702
−HK$3,932/mo
▼ 0.25% · 3.875%
HK$64,653
−HK$1,981/mo
Today · 4.125%
HK$66,634
baseline
▲ 0.50% · 4.625%
HK$70,689
+HK$4,055/mo
Deposit HK$5.89M · loan HK$13.75M · min. income ≈ HK$133,268/mo (50% DSR)
Upfront cash ≈ HK$6.63M (deposit + AVD stamp duty HK$736,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,756
−HK$3,769/mo
▼ 0.25% · 3.875%
HK$71,627
−HK$1,898/mo
Today · 4.125%
HK$73,525
baseline
▲ 0.50% · 4.625%
HK$77,400
+HK$3,875/mo
Deposit HK$5.89M · loan HK$13.75M · min. income ≈ HK$147,050/mo (50% DSR)
Upfront cash ≈ HK$6.63M (deposit + AVD stamp duty HK$736,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,617
−HK$5,056/mo
▼ 0.25% · 3.875%
HK$83,125
−HK$2,548/mo
Today · 4.125%
HK$85,673
baseline
▲ 0.50% · 4.625%
HK$90,886
+HK$5,213/mo
Deposit HK$1.96M · loan HK$17.68M · min. income ≈ HK$171,346/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$736,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,686
−HK$4,846/mo
▼ 0.25% · 3.875%
HK$92,091
−HK$2,441/mo
Today · 4.125%
HK$94,532
baseline
▲ 0.50% · 4.625%
HK$99,514
+HK$4,982/mo
Deposit HK$1.96M · loan HK$17.68M · min. income ≈ HK$189,064/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$736,553 · Scale 2, in force from 26 Feb 2026)