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$44,702
−HK$2,803/mo
▼ 0.25% · 3.875%
HK$46,093
−HK$1,412/mo
Today · 4.125%
HK$47,505
baseline
▲ 0.50% · 4.625%
HK$50,396
+HK$2,891/mo
Deposit HK$9.80M · loan HK$9.80M · min. income ≈ HK$95,010/mo (50% DSR)
Upfront cash ≈ HK$10.54M (deposit + AVD stamp duty HK$735,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,731
−HK$2,687/mo
▼ 0.25% · 3.875%
HK$51,064
−HK$1,354/mo
Today · 4.125%
HK$52,418
baseline
▲ 0.50% · 4.625%
HK$55,181
+HK$2,763/mo
Deposit HK$9.80M · loan HK$9.80M · min. income ≈ HK$104,836/mo (50% DSR)
Upfront cash ≈ HK$10.54M (deposit + AVD stamp duty HK$735,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,643
−HK$3,363/mo
▼ 0.25% · 3.875%
HK$55,311
−HK$1,695/mo
Today · 4.125%
HK$57,006
baseline
▲ 0.50% · 4.625%
HK$60,475
+HK$3,469/mo
Deposit HK$7.84M · loan HK$11.76M · min. income ≈ HK$114,012/mo (50% DSR)
Upfront cash ≈ HK$8.58M (deposit + AVD stamp duty HK$735,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,677
−HK$3,224/mo
▼ 0.25% · 3.875%
HK$61,277
−HK$1,624/mo
Today · 4.125%
HK$62,901
baseline
▲ 0.50% · 4.625%
HK$66,217
+HK$3,316/mo
Deposit HK$7.84M · loan HK$11.76M · min. income ≈ HK$125,802/mo (50% DSR)
Upfront cash ≈ HK$8.58M (deposit + AVD stamp duty HK$735,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,583
−HK$3,925/mo
▼ 0.25% · 3.875%
HK$64,530
−HK$1,978/mo
Today · 4.125%
HK$66,508
baseline
▲ 0.50% · 4.625%
HK$70,554
+HK$4,046/mo
Deposit HK$5.88M · loan HK$13.72M · min. income ≈ HK$133,016/mo (50% DSR)
Upfront cash ≈ HK$6.62M (deposit + AVD stamp duty HK$735,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,623
−HK$3,762/mo
▼ 0.25% · 3.875%
HK$71,490
−HK$1,895/mo
Today · 4.125%
HK$73,385
baseline
▲ 0.50% · 4.625%
HK$77,253
+HK$3,868/mo
Deposit HK$5.88M · loan HK$13.72M · min. income ≈ HK$146,770/mo (50% DSR)
Upfront cash ≈ HK$6.62M (deposit + AVD stamp duty HK$735,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,464
−HK$5,046/mo
▼ 0.25% · 3.875%
HK$82,967
−HK$2,543/mo
Today · 4.125%
HK$85,510
baseline
▲ 0.50% · 4.625%
HK$90,713
+HK$5,203/mo
Deposit HK$1.96M · loan HK$17.64M · min. income ≈ HK$171,020/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$735,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,515
−HK$4,837/mo
▼ 0.25% · 3.875%
HK$91,916
−HK$2,436/mo
Today · 4.125%
HK$94,352
baseline
▲ 0.50% · 4.625%
HK$99,325
+HK$4,973/mo
Deposit HK$1.96M · loan HK$17.64M · min. income ≈ HK$188,704/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$735,151 · Scale 2, in force from 26 Feb 2026)