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$44,392
−HK$2,784/mo
▼ 0.25% · 3.875%
HK$45,773
−HK$1,403/mo
Today · 4.125%
HK$47,176
baseline
▲ 0.50% · 4.625%
HK$50,046
+HK$2,870/mo
Deposit HK$9.73M · loan HK$9.73M · min. income ≈ HK$94,352/mo (50% DSR)
Upfront cash ≈ HK$10.46M (deposit + AVD stamp duty HK$730,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,386
−HK$2,668/mo
▼ 0.25% · 3.875%
HK$50,710
−HK$1,344/mo
Today · 4.125%
HK$52,054
baseline
▲ 0.50% · 4.625%
HK$54,798
+HK$2,744/mo
Deposit HK$9.73M · loan HK$9.73M · min. income ≈ HK$104,108/mo (50% DSR)
Upfront cash ≈ HK$10.46M (deposit + AVD stamp duty HK$730,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,270
−HK$3,341/mo
▼ 0.25% · 3.875%
HK$54,927
−HK$1,684/mo
Today · 4.125%
HK$56,611
baseline
▲ 0.50% · 4.625%
HK$60,055
+HK$3,444/mo
Deposit HK$7.79M · loan HK$11.68M · min. income ≈ HK$113,222/mo (50% DSR)
Upfront cash ≈ HK$8.52M (deposit + AVD stamp duty HK$730,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,263
−HK$3,201/mo
▼ 0.25% · 3.875%
HK$60,852
−HK$1,612/mo
Today · 4.125%
HK$62,464
baseline
▲ 0.50% · 4.625%
HK$65,757
+HK$3,293/mo
Deposit HK$7.79M · loan HK$11.68M · min. income ≈ HK$124,928/mo (50% DSR)
Upfront cash ≈ HK$8.52M (deposit + AVD stamp duty HK$730,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,149
−HK$3,897/mo
▼ 0.25% · 3.875%
HK$64,082
−HK$1,964/mo
Today · 4.125%
HK$66,046
baseline
▲ 0.50% · 4.625%
HK$70,065
+HK$4,019/mo
Deposit HK$5.84M · loan HK$13.63M · min. income ≈ HK$132,092/mo (50% DSR)
Upfront cash ≈ HK$6.57M (deposit + AVD stamp duty HK$730,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,140
−HK$3,735/mo
▼ 0.25% · 3.875%
HK$70,994
−HK$1,881/mo
Today · 4.125%
HK$72,875
baseline
▲ 0.50% · 4.625%
HK$76,717
+HK$3,842/mo
Deposit HK$5.84M · loan HK$13.63M · min. income ≈ HK$145,750/mo (50% DSR)
Upfront cash ≈ HK$6.57M (deposit + AVD stamp duty HK$730,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,905
−HK$5,011/mo
▼ 0.25% · 3.875%
HK$82,391
−HK$2,525/mo
Today · 4.125%
HK$84,916
baseline
▲ 0.50% · 4.625%
HK$90,083
+HK$5,167/mo
Deposit HK$1.95M · loan HK$17.52M · min. income ≈ HK$169,832/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$730,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,894
−HK$4,803/mo
▼ 0.25% · 3.875%
HK$91,278
−HK$2,419/mo
Today · 4.125%
HK$93,697
baseline
▲ 0.50% · 4.625%
HK$98,636
+HK$4,939/mo
Deposit HK$1.95M · loan HK$17.52M · min. income ≈ HK$187,394/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$730,048 · Scale 2, in force from 26 Feb 2026)