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$44,435
−HK$2,786/mo
▼ 0.25% · 3.875%
HK$45,817
−HK$1,404/mo
Today · 4.125%
HK$47,221
baseline
▲ 0.50% · 4.625%
HK$50,094
+HK$2,873/mo
Deposit HK$9.74M · loan HK$9.74M · min. income ≈ HK$94,442/mo (50% DSR)
Upfront cash ≈ HK$10.47M (deposit + AVD stamp duty HK$730,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,433
−HK$2,671/mo
▼ 0.25% · 3.875%
HK$50,759
−HK$1,345/mo
Today · 4.125%
HK$52,104
baseline
▲ 0.50% · 4.625%
HK$54,850
+HK$2,746/mo
Deposit HK$9.74M · loan HK$9.74M · min. income ≈ HK$104,208/mo (50% DSR)
Upfront cash ≈ HK$10.47M (deposit + AVD stamp duty HK$730,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,322
−HK$3,343/mo
▼ 0.25% · 3.875%
HK$54,980
−HK$1,685/mo
Today · 4.125%
HK$56,665
baseline
▲ 0.50% · 4.625%
HK$60,113
+HK$3,448/mo
Deposit HK$7.79M · loan HK$11.69M · min. income ≈ HK$113,330/mo (50% DSR)
Upfront cash ≈ HK$8.53M (deposit + AVD stamp duty HK$730,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,320
−HK$3,205/mo
▼ 0.25% · 3.875%
HK$60,911
−HK$1,614/mo
Today · 4.125%
HK$62,525
baseline
▲ 0.50% · 4.625%
HK$65,820
+HK$3,295/mo
Deposit HK$7.79M · loan HK$11.69M · min. income ≈ HK$125,050/mo (50% DSR)
Upfront cash ≈ HK$8.53M (deposit + AVD stamp duty HK$730,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,208
−HK$3,901/mo
▼ 0.25% · 3.875%
HK$64,144
−HK$1,965/mo
Today · 4.125%
HK$66,109
baseline
▲ 0.50% · 4.625%
HK$70,132
+HK$4,023/mo
Deposit HK$5.85M · loan HK$13.64M · min. income ≈ HK$132,218/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$730,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,206
−HK$3,739/mo
▼ 0.25% · 3.875%
HK$71,062
−HK$1,883/mo
Today · 4.125%
HK$72,945
baseline
▲ 0.50% · 4.625%
HK$76,790
+HK$3,845/mo
Deposit HK$5.85M · loan HK$13.64M · min. income ≈ HK$145,890/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$730,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,982
−HK$5,016/mo
▼ 0.25% · 3.875%
HK$82,470
−HK$2,528/mo
Today · 4.125%
HK$84,998
baseline
▲ 0.50% · 4.625%
HK$90,170
+HK$5,172/mo
Deposit HK$1.95M · loan HK$17.54M · min. income ≈ HK$169,996/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$730,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,980
−HK$4,807/mo
▼ 0.25% · 3.875%
HK$91,366
−HK$2,421/mo
Today · 4.125%
HK$93,787
baseline
▲ 0.50% · 4.625%
HK$98,730
+HK$4,943/mo
Deposit HK$1.95M · loan HK$17.54M · min. income ≈ HK$187,574/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$730,751 · Scale 2, in force from 26 Feb 2026)