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$44,590
−HK$2,796/mo
▼ 0.25% · 3.875%
HK$45,977
−HK$1,409/mo
Today · 4.125%
HK$47,386
baseline
▲ 0.50% · 4.625%
HK$50,269
+HK$2,883/mo
Deposit HK$9.78M · loan HK$9.78M · min. income ≈ HK$94,772/mo (50% DSR)
Upfront cash ≈ HK$10.51M (deposit + AVD stamp duty HK$733,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,605
−HK$2,681/mo
▼ 0.25% · 3.875%
HK$50,936
−HK$1,350/mo
Today · 4.125%
HK$52,286
baseline
▲ 0.50% · 4.625%
HK$55,042
+HK$2,756/mo
Deposit HK$9.78M · loan HK$9.78M · min. income ≈ HK$104,572/mo (50% DSR)
Upfront cash ≈ HK$10.51M (deposit + AVD stamp duty HK$733,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,508
−HK$3,355/mo
▼ 0.25% · 3.875%
HK$55,172
−HK$1,691/mo
Today · 4.125%
HK$56,863
baseline
▲ 0.50% · 4.625%
HK$60,323
+HK$3,460/mo
Deposit HK$7.82M · loan HK$11.73M · min. income ≈ HK$113,726/mo (50% DSR)
Upfront cash ≈ HK$8.56M (deposit + AVD stamp duty HK$733,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,527
−HK$3,216/mo
▼ 0.25% · 3.875%
HK$61,123
−HK$1,620/mo
Today · 4.125%
HK$62,743
baseline
▲ 0.50% · 4.625%
HK$66,050
+HK$3,307/mo
Deposit HK$7.82M · loan HK$11.73M · min. income ≈ HK$125,486/mo (50% DSR)
Upfront cash ≈ HK$8.56M (deposit + AVD stamp duty HK$733,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,425
−HK$3,915/mo
▼ 0.25% · 3.875%
HK$64,367
−HK$1,973/mo
Today · 4.125%
HK$66,340
baseline
▲ 0.50% · 4.625%
HK$70,377
+HK$4,037/mo
Deposit HK$5.87M · loan HK$13.69M · min. income ≈ HK$132,680/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$733,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,448
−HK$3,752/mo
▼ 0.25% · 3.875%
HK$71,310
−HK$1,890/mo
Today · 4.125%
HK$73,200
baseline
▲ 0.50% · 4.625%
HK$77,058
+HK$3,858/mo
Deposit HK$5.87M · loan HK$13.69M · min. income ≈ HK$146,400/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$733,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,261
−HK$5,033/mo
▼ 0.25% · 3.875%
HK$82,758
−HK$2,536/mo
Today · 4.125%
HK$85,294
baseline
▲ 0.50% · 4.625%
HK$90,484
+HK$5,190/mo
Deposit HK$1.96M · loan HK$17.60M · min. income ≈ HK$170,588/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$733,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,290
−HK$4,824/mo
▼ 0.25% · 3.875%
HK$91,685
−HK$2,429/mo
Today · 4.125%
HK$94,114
baseline
▲ 0.50% · 4.625%
HK$99,075
+HK$4,961/mo
Deposit HK$1.96M · loan HK$17.60M · min. income ≈ HK$188,228/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$733,299 · Scale 2, in force from 26 Feb 2026)