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$44,622
−HK$2,798/mo
▼ 0.25% · 3.875%
HK$46,010
−HK$1,410/mo
Today · 4.125%
HK$47,420
baseline
▲ 0.50% · 4.625%
HK$50,305
+HK$2,885/mo
Deposit HK$9.78M · loan HK$9.78M · min. income ≈ HK$94,840/mo (50% DSR)
Upfront cash ≈ HK$10.52M (deposit + AVD stamp duty HK$733,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,641
−HK$2,682/mo
▼ 0.25% · 3.875%
HK$50,973
−HK$1,350/mo
Today · 4.125%
HK$52,323
baseline
▲ 0.50% · 4.625%
HK$55,081
+HK$2,758/mo
Deposit HK$9.78M · loan HK$9.78M · min. income ≈ HK$104,646/mo (50% DSR)
Upfront cash ≈ HK$10.52M (deposit + AVD stamp duty HK$733,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,546
−HK$3,358/mo
▼ 0.25% · 3.875%
HK$55,212
−HK$1,692/mo
Today · 4.125%
HK$56,904
baseline
▲ 0.50% · 4.625%
HK$60,367
+HK$3,463/mo
Deposit HK$7.83M · loan HK$11.74M · min. income ≈ HK$113,808/mo (50% DSR)
Upfront cash ≈ HK$8.56M (deposit + AVD stamp duty HK$733,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,570
−HK$3,218/mo
▼ 0.25% · 3.875%
HK$61,167
−HK$1,621/mo
Today · 4.125%
HK$62,788
baseline
▲ 0.50% · 4.625%
HK$66,098
+HK$3,310/mo
Deposit HK$7.83M · loan HK$11.74M · min. income ≈ HK$125,576/mo (50% DSR)
Upfront cash ≈ HK$8.56M (deposit + AVD stamp duty HK$733,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,471
−HK$3,917/mo
▼ 0.25% · 3.875%
HK$64,414
−HK$1,974/mo
Today · 4.125%
HK$66,388
baseline
▲ 0.50% · 4.625%
HK$70,428
+HK$4,040/mo
Deposit HK$5.87M · loan HK$13.70M · min. income ≈ HK$132,776/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$733,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,498
−HK$3,755/mo
▼ 0.25% · 3.875%
HK$71,362
−HK$1,891/mo
Today · 4.125%
HK$73,253
baseline
▲ 0.50% · 4.625%
HK$77,114
+HK$3,861/mo
Deposit HK$5.87M · loan HK$13.70M · min. income ≈ HK$146,506/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$733,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,319
−HK$5,037/mo
▼ 0.25% · 3.875%
HK$82,818
−HK$2,538/mo
Today · 4.125%
HK$85,356
baseline
▲ 0.50% · 4.625%
HK$90,550
+HK$5,194/mo
Deposit HK$1.96M · loan HK$17.61M · min. income ≈ HK$170,712/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$733,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,355
−HK$4,827/mo
▼ 0.25% · 3.875%
HK$91,751
−HK$2,431/mo
Today · 4.125%
HK$94,182
baseline
▲ 0.50% · 4.625%
HK$99,147
+HK$4,965/mo
Deposit HK$1.96M · loan HK$17.61M · min. income ≈ HK$188,364/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$733,831 · Scale 2, in force from 26 Feb 2026)