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$44,414
−HK$2,785/mo
▼ 0.25% · 3.875%
HK$45,796
−HK$1,403/mo
Today · 4.125%
HK$47,199
baseline
▲ 0.50% · 4.625%
HK$50,071
+HK$2,872/mo
Deposit HK$9.74M · loan HK$9.74M · min. income ≈ HK$94,398/mo (50% DSR)
Upfront cash ≈ HK$10.47M (deposit + AVD stamp duty HK$730,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,410
−HK$2,670/mo
▼ 0.25% · 3.875%
HK$50,736
−HK$1,344/mo
Today · 4.125%
HK$52,080
baseline
▲ 0.50% · 4.625%
HK$54,825
+HK$2,745/mo
Deposit HK$9.74M · loan HK$9.74M · min. income ≈ HK$104,160/mo (50% DSR)
Upfront cash ≈ HK$10.47M (deposit + AVD stamp duty HK$730,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,297
−HK$3,342/mo
▼ 0.25% · 3.875%
HK$54,955
−HK$1,684/mo
Today · 4.125%
HK$56,639
baseline
▲ 0.50% · 4.625%
HK$60,086
+HK$3,447/mo
Deposit HK$7.79M · loan HK$11.69M · min. income ≈ HK$113,278/mo (50% DSR)
Upfront cash ≈ HK$8.52M (deposit + AVD stamp duty HK$730,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,293
−HK$3,203/mo
▼ 0.25% · 3.875%
HK$60,883
−HK$1,613/mo
Today · 4.125%
HK$62,496
baseline
▲ 0.50% · 4.625%
HK$65,790
+HK$3,294/mo
Deposit HK$7.79M · loan HK$11.69M · min. income ≈ HK$124,992/mo (50% DSR)
Upfront cash ≈ HK$8.52M (deposit + AVD stamp duty HK$730,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,180
−HK$3,899/mo
▼ 0.25% · 3.875%
HK$64,114
−HK$1,965/mo
Today · 4.125%
HK$66,079
baseline
▲ 0.50% · 4.625%
HK$70,100
+HK$4,021/mo
Deposit HK$5.84M · loan HK$13.63M · min. income ≈ HK$132,158/mo (50% DSR)
Upfront cash ≈ HK$6.57M (deposit + AVD stamp duty HK$730,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,175
−HK$3,737/mo
▼ 0.25% · 3.875%
HK$71,030
−HK$1,882/mo
Today · 4.125%
HK$72,912
baseline
▲ 0.50% · 4.625%
HK$76,755
+HK$3,843/mo
Deposit HK$5.84M · loan HK$13.63M · min. income ≈ HK$145,824/mo (50% DSR)
Upfront cash ≈ HK$6.57M (deposit + AVD stamp duty HK$730,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,946
−HK$5,013/mo
▼ 0.25% · 3.875%
HK$82,433
−HK$2,526/mo
Today · 4.125%
HK$84,959
baseline
▲ 0.50% · 4.625%
HK$90,129
+HK$5,170/mo
Deposit HK$1.95M · loan HK$17.53M · min. income ≈ HK$169,918/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$730,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,939
−HK$4,805/mo
▼ 0.25% · 3.875%
HK$91,324
−HK$2,420/mo
Today · 4.125%
HK$93,744
baseline
▲ 0.50% · 4.625%
HK$98,685
+HK$4,941/mo
Deposit HK$1.95M · loan HK$17.53M · min. income ≈ HK$187,488/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$730,417 · Scale 2, in force from 26 Feb 2026)