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$44,354
−HK$2,781/mo
▼ 0.25% · 3.875%
HK$45,733
−HK$1,402/mo
Today · 4.125%
HK$47,135
baseline
▲ 0.50% · 4.625%
HK$50,003
+HK$2,868/mo
Deposit HK$9.73M · loan HK$9.73M · min. income ≈ HK$94,270/mo (50% DSR)
Upfront cash ≈ HK$10.46M (deposit + AVD stamp duty HK$729,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,343
−HK$2,666/mo
▼ 0.25% · 3.875%
HK$50,666
−HK$1,343/mo
Today · 4.125%
HK$52,009
baseline
▲ 0.50% · 4.625%
HK$54,750
+HK$2,741/mo
Deposit HK$9.73M · loan HK$9.73M · min. income ≈ HK$104,018/mo (50% DSR)
Upfront cash ≈ HK$10.46M (deposit + AVD stamp duty HK$729,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,225
−HK$3,337/mo
▼ 0.25% · 3.875%
HK$54,880
−HK$1,682/mo
Today · 4.125%
HK$56,562
baseline
▲ 0.50% · 4.625%
HK$60,004
+HK$3,442/mo
Deposit HK$7.78M · loan HK$11.67M · min. income ≈ HK$113,124/mo (50% DSR)
Upfront cash ≈ HK$8.51M (deposit + AVD stamp duty HK$729,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,212
−HK$3,199/mo
▼ 0.25% · 3.875%
HK$60,800
−HK$1,611/mo
Today · 4.125%
HK$62,411
baseline
▲ 0.50% · 4.625%
HK$65,701
+HK$3,290/mo
Deposit HK$7.78M · loan HK$11.67M · min. income ≈ HK$124,822/mo (50% DSR)
Upfront cash ≈ HK$8.51M (deposit + AVD stamp duty HK$729,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,095
−HK$3,894/mo
▼ 0.25% · 3.875%
HK$64,027
−HK$1,962/mo
Today · 4.125%
HK$65,989
baseline
▲ 0.50% · 4.625%
HK$70,004
+HK$4,015/mo
Deposit HK$5.84M · loan HK$13.62M · min. income ≈ HK$131,978/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$729,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,080
−HK$3,733/mo
▼ 0.25% · 3.875%
HK$70,933
−HK$1,880/mo
Today · 4.125%
HK$72,813
baseline
▲ 0.50% · 4.625%
HK$76,651
+HK$3,838/mo
Deposit HK$5.84M · loan HK$13.62M · min. income ≈ HK$145,626/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$729,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,837
−HK$5,006/mo
▼ 0.25% · 3.875%
HK$82,320
−HK$2,523/mo
Today · 4.125%
HK$84,843
baseline
▲ 0.50% · 4.625%
HK$90,006
+HK$5,163/mo
Deposit HK$1.95M · loan HK$17.51M · min. income ≈ HK$169,686/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$729,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,818
−HK$4,798/mo
▼ 0.25% · 3.875%
HK$91,200
−HK$2,416/mo
Today · 4.125%
HK$93,616
baseline
▲ 0.50% · 4.625%
HK$98,551
+HK$4,935/mo
Deposit HK$1.95M · loan HK$17.51M · min. income ≈ HK$187,232/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$729,421 · Scale 2, in force from 26 Feb 2026)