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$44,796
−HK$2,810/mo
▼ 0.25% · 3.875%
HK$46,190
−HK$1,416/mo
Today · 4.125%
HK$47,606
baseline
▲ 0.50% · 4.625%
HK$50,502
+HK$2,896/mo
Deposit HK$9.82M · loan HK$9.82M · min. income ≈ HK$95,212/mo (50% DSR)
Upfront cash ≈ HK$10.56M (deposit + AVD stamp duty HK$736,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,836
−HK$2,692/mo
▼ 0.25% · 3.875%
HK$51,172
−HK$1,356/mo
Today · 4.125%
HK$52,528
baseline
▲ 0.50% · 4.625%
HK$55,297
+HK$2,769/mo
Deposit HK$9.82M · loan HK$9.82M · min. income ≈ HK$105,056/mo (50% DSR)
Upfront cash ≈ HK$10.56M (deposit + AVD stamp duty HK$736,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,756
−HK$3,371/mo
▼ 0.25% · 3.875%
HK$55,428
−HK$1,699/mo
Today · 4.125%
HK$57,127
baseline
▲ 0.50% · 4.625%
HK$60,603
+HK$3,476/mo
Deposit HK$7.86M · loan HK$11.79M · min. income ≈ HK$114,254/mo (50% DSR)
Upfront cash ≈ HK$8.59M (deposit + AVD stamp duty HK$736,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,803
−HK$3,231/mo
▼ 0.25% · 3.875%
HK$61,407
−HK$1,627/mo
Today · 4.125%
HK$63,034
baseline
▲ 0.50% · 4.625%
HK$66,356
+HK$3,322/mo
Deposit HK$7.86M · loan HK$11.79M · min. income ≈ HK$126,068/mo (50% DSR)
Upfront cash ≈ HK$8.59M (deposit + AVD stamp duty HK$736,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,715
−HK$3,933/mo
▼ 0.25% · 3.875%
HK$64,666
−HK$1,982/mo
Today · 4.125%
HK$66,648
baseline
▲ 0.50% · 4.625%
HK$70,703
+HK$4,055/mo
Deposit HK$5.89M · loan HK$13.75M · min. income ≈ HK$133,296/mo (50% DSR)
Upfront cash ≈ HK$6.63M (deposit + AVD stamp duty HK$736,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,770
−HK$3,769/mo
▼ 0.25% · 3.875%
HK$71,641
−HK$1,898/mo
Today · 4.125%
HK$73,539
baseline
▲ 0.50% · 4.625%
HK$77,416
+HK$3,877/mo
Deposit HK$5.89M · loan HK$13.75M · min. income ≈ HK$147,078/mo (50% DSR)
Upfront cash ≈ HK$6.63M (deposit + AVD stamp duty HK$736,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,634
−HK$5,056/mo
▼ 0.25% · 3.875%
HK$83,142
−HK$2,548/mo
Today · 4.125%
HK$85,690
baseline
▲ 0.50% · 4.625%
HK$90,904
+HK$5,214/mo
Deposit HK$1.96M · loan HK$17.68M · min. income ≈ HK$171,380/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$736,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,704
−HK$4,847/mo
▼ 0.25% · 3.875%
HK$92,110
−HK$2,441/mo
Today · 4.125%
HK$94,551
baseline
▲ 0.50% · 4.625%
HK$99,534
+HK$4,983/mo
Deposit HK$1.96M · loan HK$17.68M · min. income ≈ HK$189,102/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$736,701 · Scale 2, in force from 26 Feb 2026)