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$44,701
−HK$2,803/mo
▼ 0.25% · 3.875%
HK$46,092
−HK$1,412/mo
Today · 4.125%
HK$47,504
baseline
▲ 0.50% · 4.625%
HK$50,395
+HK$2,891/mo
Deposit HK$9.80M · loan HK$9.80M · min. income ≈ HK$95,008/mo (50% DSR)
Upfront cash ≈ HK$10.54M (deposit + AVD stamp duty HK$735,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,730
−HK$2,686/mo
▼ 0.25% · 3.875%
HK$51,063
−HK$1,353/mo
Today · 4.125%
HK$52,416
baseline
▲ 0.50% · 4.625%
HK$55,179
+HK$2,763/mo
Deposit HK$9.80M · loan HK$9.80M · min. income ≈ HK$104,832/mo (50% DSR)
Upfront cash ≈ HK$10.54M (deposit + AVD stamp duty HK$735,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,641
−HK$3,364/mo
▼ 0.25% · 3.875%
HK$55,310
−HK$1,695/mo
Today · 4.125%
HK$57,005
baseline
▲ 0.50% · 4.625%
HK$60,474
+HK$3,469/mo
Deposit HK$7.84M · loan HK$11.76M · min. income ≈ HK$114,010/mo (50% DSR)
Upfront cash ≈ HK$8.58M (deposit + AVD stamp duty HK$735,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,676
−HK$3,224/mo
▼ 0.25% · 3.875%
HK$61,276
−HK$1,624/mo
Today · 4.125%
HK$62,900
baseline
▲ 0.50% · 4.625%
HK$66,215
+HK$3,315/mo
Deposit HK$7.84M · loan HK$11.76M · min. income ≈ HK$125,800/mo (50% DSR)
Upfront cash ≈ HK$8.58M (deposit + AVD stamp duty HK$735,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,582
−HK$3,924/mo
▼ 0.25% · 3.875%
HK$64,528
−HK$1,978/mo
Today · 4.125%
HK$66,506
baseline
▲ 0.50% · 4.625%
HK$70,553
+HK$4,047/mo
Deposit HK$5.88M · loan HK$13.72M · min. income ≈ HK$133,012/mo (50% DSR)
Upfront cash ≈ HK$6.62M (deposit + AVD stamp duty HK$735,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,621
−HK$3,762/mo
▼ 0.25% · 3.875%
HK$71,489
−HK$1,894/mo
Today · 4.125%
HK$73,383
baseline
▲ 0.50% · 4.625%
HK$77,251
+HK$3,868/mo
Deposit HK$5.88M · loan HK$13.72M · min. income ≈ HK$146,766/mo (50% DSR)
Upfront cash ≈ HK$6.62M (deposit + AVD stamp duty HK$735,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,462
−HK$5,046/mo
▼ 0.25% · 3.875%
HK$82,965
−HK$2,543/mo
Today · 4.125%
HK$85,508
baseline
▲ 0.50% · 4.625%
HK$90,711
+HK$5,203/mo
Deposit HK$1.96M · loan HK$17.64M · min. income ≈ HK$171,016/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$735,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,513
−HK$4,836/mo
▼ 0.25% · 3.875%
HK$91,914
−HK$2,435/mo
Today · 4.125%
HK$94,349
baseline
▲ 0.50% · 4.625%
HK$99,323
+HK$4,974/mo
Deposit HK$1.96M · loan HK$17.64M · min. income ≈ HK$188,698/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$735,135 · Scale 2, in force from 26 Feb 2026)