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$44,823
−HK$2,811/mo
▼ 0.25% · 3.875%
HK$46,217
−HK$1,417/mo
Today · 4.125%
HK$47,634
baseline
▲ 0.50% · 4.625%
HK$50,532
+HK$2,898/mo
Deposit HK$9.83M · loan HK$9.83M · min. income ≈ HK$95,268/mo (50% DSR)
Upfront cash ≈ HK$10.57M (deposit + AVD stamp duty HK$737,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,865
−HK$2,694/mo
▼ 0.25% · 3.875%
HK$51,202
−HK$1,357/mo
Today · 4.125%
HK$52,559
baseline
▲ 0.50% · 4.625%
HK$55,329
+HK$2,770/mo
Deposit HK$9.83M · loan HK$9.83M · min. income ≈ HK$105,118/mo (50% DSR)
Upfront cash ≈ HK$10.57M (deposit + AVD stamp duty HK$737,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,787
−HK$3,373/mo
▼ 0.25% · 3.875%
HK$55,460
−HK$1,700/mo
Today · 4.125%
HK$57,160
baseline
▲ 0.50% · 4.625%
HK$60,638
+HK$3,478/mo
Deposit HK$7.86M · loan HK$11.79M · min. income ≈ HK$114,320/mo (50% DSR)
Upfront cash ≈ HK$8.60M (deposit + AVD stamp duty HK$737,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,838
−HK$3,233/mo
▼ 0.25% · 3.875%
HK$61,443
−HK$1,628/mo
Today · 4.125%
HK$63,071
baseline
▲ 0.50% · 4.625%
HK$66,395
+HK$3,324/mo
Deposit HK$7.86M · loan HK$11.79M · min. income ≈ HK$126,142/mo (50% DSR)
Upfront cash ≈ HK$8.60M (deposit + AVD stamp duty HK$737,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,752
−HK$3,935/mo
▼ 0.25% · 3.875%
HK$64,704
−HK$1,983/mo
Today · 4.125%
HK$66,687
baseline
▲ 0.50% · 4.625%
HK$70,745
+HK$4,058/mo
Deposit HK$5.90M · loan HK$13.76M · min. income ≈ HK$133,374/mo (50% DSR)
Upfront cash ≈ HK$6.63M (deposit + AVD stamp duty HK$737,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,811
−HK$3,772/mo
▼ 0.25% · 3.875%
HK$71,683
−HK$1,900/mo
Today · 4.125%
HK$73,583
baseline
▲ 0.50% · 4.625%
HK$77,461
+HK$3,878/mo
Deposit HK$5.90M · loan HK$13.76M · min. income ≈ HK$147,166/mo (50% DSR)
Upfront cash ≈ HK$6.63M (deposit + AVD stamp duty HK$737,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,681
−HK$5,059/mo
▼ 0.25% · 3.875%
HK$83,191
−HK$2,549/mo
Today · 4.125%
HK$85,740
baseline
▲ 0.50% · 4.625%
HK$90,958
+HK$5,218/mo
Deposit HK$1.97M · loan HK$17.69M · min. income ≈ HK$171,480/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$737,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,757
−HK$4,849/mo
▼ 0.25% · 3.875%
HK$92,164
−HK$2,442/mo
Today · 4.125%
HK$94,606
baseline
▲ 0.50% · 4.625%
HK$99,593
+HK$4,987/mo
Deposit HK$1.97M · loan HK$17.69M · min. income ≈ HK$189,212/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$737,135 · Scale 2, in force from 26 Feb 2026)