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$44,822
−HK$2,811/mo
▼ 0.25% · 3.875%
HK$46,216
−HK$1,417/mo
Today · 4.125%
HK$47,633
baseline
▲ 0.50% · 4.625%
HK$50,531
+HK$2,898/mo
Deposit HK$9.83M · loan HK$9.83M · min. income ≈ HK$95,266/mo (50% DSR)
Upfront cash ≈ HK$10.57M (deposit + AVD stamp duty HK$737,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,864
−HK$2,694/mo
▼ 0.25% · 3.875%
HK$51,202
−HK$1,356/mo
Today · 4.125%
HK$52,558
baseline
▲ 0.50% · 4.625%
HK$55,329
+HK$2,771/mo
Deposit HK$9.83M · loan HK$9.83M · min. income ≈ HK$105,116/mo (50% DSR)
Upfront cash ≈ HK$10.57M (deposit + AVD stamp duty HK$737,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,787
−HK$3,372/mo
▼ 0.25% · 3.875%
HK$55,460
−HK$1,699/mo
Today · 4.125%
HK$57,159
baseline
▲ 0.50% · 4.625%
HK$60,637
+HK$3,478/mo
Deposit HK$7.86M · loan HK$11.79M · min. income ≈ HK$114,318/mo (50% DSR)
Upfront cash ≈ HK$8.60M (deposit + AVD stamp duty HK$737,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,837
−HK$3,233/mo
▼ 0.25% · 3.875%
HK$61,442
−HK$1,628/mo
Today · 4.125%
HK$63,070
baseline
▲ 0.50% · 4.625%
HK$66,394
+HK$3,324/mo
Deposit HK$7.86M · loan HK$11.79M · min. income ≈ HK$126,140/mo (50% DSR)
Upfront cash ≈ HK$8.60M (deposit + AVD stamp duty HK$737,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,751
−HK$3,935/mo
▼ 0.25% · 3.875%
HK$64,703
−HK$1,983/mo
Today · 4.125%
HK$66,686
baseline
▲ 0.50% · 4.625%
HK$70,744
+HK$4,058/mo
Deposit HK$5.90M · loan HK$13.76M · min. income ≈ HK$133,372/mo (50% DSR)
Upfront cash ≈ HK$6.63M (deposit + AVD stamp duty HK$737,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,810
−HK$3,771/mo
▼ 0.25% · 3.875%
HK$71,682
−HK$1,899/mo
Today · 4.125%
HK$73,581
baseline
▲ 0.50% · 4.625%
HK$77,460
+HK$3,879/mo
Deposit HK$5.90M · loan HK$13.76M · min. income ≈ HK$147,162/mo (50% DSR)
Upfront cash ≈ HK$6.63M (deposit + AVD stamp duty HK$737,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,680
−HK$5,059/mo
▼ 0.25% · 3.875%
HK$83,189
−HK$2,550/mo
Today · 4.125%
HK$85,739
baseline
▲ 0.50% · 4.625%
HK$90,956
+HK$5,217/mo
Deposit HK$1.97M · loan HK$17.69M · min. income ≈ HK$171,478/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$737,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,756
−HK$4,849/mo
▼ 0.25% · 3.875%
HK$92,163
−HK$2,442/mo
Today · 4.125%
HK$94,605
baseline
▲ 0.50% · 4.625%
HK$99,591
+HK$4,986/mo
Deposit HK$1.97M · loan HK$17.69M · min. income ≈ HK$189,210/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$737,124 · Scale 2, in force from 26 Feb 2026)