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$44,403
−HK$2,785/mo
▼ 0.25% · 3.875%
HK$45,784
−HK$1,404/mo
Today · 4.125%
HK$47,188
baseline
▲ 0.50% · 4.625%
HK$50,059
+HK$2,871/mo
Deposit HK$9.74M · loan HK$9.74M · min. income ≈ HK$94,376/mo (50% DSR)
Upfront cash ≈ HK$10.47M (deposit + AVD stamp duty HK$730,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,398
−HK$2,669/mo
▼ 0.25% · 3.875%
HK$50,723
−HK$1,344/mo
Today · 4.125%
HK$52,067
baseline
▲ 0.50% · 4.625%
HK$54,812
+HK$2,745/mo
Deposit HK$9.74M · loan HK$9.74M · min. income ≈ HK$104,134/mo (50% DSR)
Upfront cash ≈ HK$10.47M (deposit + AVD stamp duty HK$730,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,284
−HK$3,341/mo
▼ 0.25% · 3.875%
HK$54,941
−HK$1,684/mo
Today · 4.125%
HK$56,625
baseline
▲ 0.50% · 4.625%
HK$60,071
+HK$3,446/mo
Deposit HK$7.79M · loan HK$11.68M · min. income ≈ HK$113,250/mo (50% DSR)
Upfront cash ≈ HK$8.52M (deposit + AVD stamp duty HK$730,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,278
−HK$3,202/mo
▼ 0.25% · 3.875%
HK$60,868
−HK$1,612/mo
Today · 4.125%
HK$62,480
baseline
▲ 0.50% · 4.625%
HK$65,774
+HK$3,294/mo
Deposit HK$7.79M · loan HK$11.68M · min. income ≈ HK$124,960/mo (50% DSR)
Upfront cash ≈ HK$8.52M (deposit + AVD stamp duty HK$730,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,165
−HK$3,898/mo
▼ 0.25% · 3.875%
HK$64,098
−HK$1,965/mo
Today · 4.125%
HK$66,063
baseline
▲ 0.50% · 4.625%
HK$70,083
+HK$4,020/mo
Deposit HK$5.84M · loan HK$13.63M · min. income ≈ HK$132,126/mo (50% DSR)
Upfront cash ≈ HK$6.57M (deposit + AVD stamp duty HK$730,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,157
−HK$3,737/mo
▼ 0.25% · 3.875%
HK$71,012
−HK$1,882/mo
Today · 4.125%
HK$72,894
baseline
▲ 0.50% · 4.625%
HK$76,736
+HK$3,842/mo
Deposit HK$5.84M · loan HK$13.63M · min. income ≈ HK$145,788/mo (50% DSR)
Upfront cash ≈ HK$6.57M (deposit + AVD stamp duty HK$730,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,926
−HK$5,012/mo
▼ 0.25% · 3.875%
HK$82,412
−HK$2,526/mo
Today · 4.125%
HK$84,938
baseline
▲ 0.50% · 4.625%
HK$90,106
+HK$5,168/mo
Deposit HK$1.95M · loan HK$17.53M · min. income ≈ HK$169,876/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$730,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,917
−HK$4,804/mo
▼ 0.25% · 3.875%
HK$91,301
−HK$2,420/mo
Today · 4.125%
HK$93,721
baseline
▲ 0.50% · 4.625%
HK$98,661
+HK$4,940/mo
Deposit HK$1.95M · loan HK$17.53M · min. income ≈ HK$187,442/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$730,235 · Scale 2, in force from 26 Feb 2026)