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$44,430
−HK$2,786/mo
▼ 0.25% · 3.875%
HK$45,812
−HK$1,404/mo
Today · 4.125%
HK$47,216
baseline
▲ 0.50% · 4.625%
HK$50,089
+HK$2,873/mo
Deposit HK$9.74M · loan HK$9.74M · min. income ≈ HK$94,432/mo (50% DSR)
Upfront cash ≈ HK$10.47M (deposit + AVD stamp duty HK$730,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,427
−HK$2,671/mo
▼ 0.25% · 3.875%
HK$50,753
−HK$1,345/mo
Today · 4.125%
HK$52,098
baseline
▲ 0.50% · 4.625%
HK$54,844
+HK$2,746/mo
Deposit HK$9.74M · loan HK$9.74M · min. income ≈ HK$104,196/mo (50% DSR)
Upfront cash ≈ HK$10.47M (deposit + AVD stamp duty HK$730,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,316
−HK$3,343/mo
▼ 0.25% · 3.875%
HK$54,974
−HK$1,685/mo
Today · 4.125%
HK$56,659
baseline
▲ 0.50% · 4.625%
HK$60,106
+HK$3,447/mo
Deposit HK$7.79M · loan HK$11.69M · min. income ≈ HK$113,318/mo (50% DSR)
Upfront cash ≈ HK$8.52M (deposit + AVD stamp duty HK$730,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,313
−HK$3,204/mo
▼ 0.25% · 3.875%
HK$60,904
−HK$1,613/mo
Today · 4.125%
HK$62,517
baseline
▲ 0.50% · 4.625%
HK$65,813
+HK$3,296/mo
Deposit HK$7.79M · loan HK$11.69M · min. income ≈ HK$125,034/mo (50% DSR)
Upfront cash ≈ HK$8.52M (deposit + AVD stamp duty HK$730,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,201
−HK$3,901/mo
▼ 0.25% · 3.875%
HK$64,136
−HK$1,966/mo
Today · 4.125%
HK$66,102
baseline
▲ 0.50% · 4.625%
HK$70,124
+HK$4,022/mo
Deposit HK$5.85M · loan HK$13.64M · min. income ≈ HK$132,204/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$730,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,198
−HK$3,739/mo
▼ 0.25% · 3.875%
HK$71,054
−HK$1,883/mo
Today · 4.125%
HK$72,937
baseline
▲ 0.50% · 4.625%
HK$76,782
+HK$3,845/mo
Deposit HK$5.85M · loan HK$13.64M · min. income ≈ HK$145,874/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$730,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,973
−HK$5,015/mo
▼ 0.25% · 3.875%
HK$82,461
−HK$2,527/mo
Today · 4.125%
HK$84,988
baseline
▲ 0.50% · 4.625%
HK$90,160
+HK$5,172/mo
Deposit HK$1.95M · loan HK$17.54M · min. income ≈ HK$169,976/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$730,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,969
−HK$4,807/mo
▼ 0.25% · 3.875%
HK$91,356
−HK$2,420/mo
Today · 4.125%
HK$93,776
baseline
▲ 0.50% · 4.625%
HK$98,719
+HK$4,943/mo
Deposit HK$1.95M · loan HK$17.54M · min. income ≈ HK$187,552/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$730,668 · Scale 2, in force from 26 Feb 2026)