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$44,797
−HK$2,810/mo
▼ 0.25% · 3.875%
HK$46,191
−HK$1,416/mo
Today · 4.125%
HK$47,607
baseline
▲ 0.50% · 4.625%
HK$50,503
+HK$2,896/mo
Deposit HK$9.82M · loan HK$9.82M · min. income ≈ HK$95,214/mo (50% DSR)
Upfront cash ≈ HK$10.56M (deposit + AVD stamp duty HK$736,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,837
−HK$2,692/mo
▼ 0.25% · 3.875%
HK$51,173
−HK$1,356/mo
Today · 4.125%
HK$52,529
baseline
▲ 0.50% · 4.625%
HK$55,298
+HK$2,769/mo
Deposit HK$9.82M · loan HK$9.82M · min. income ≈ HK$105,058/mo (50% DSR)
Upfront cash ≈ HK$10.56M (deposit + AVD stamp duty HK$736,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,757
−HK$3,371/mo
▼ 0.25% · 3.875%
HK$55,429
−HK$1,699/mo
Today · 4.125%
HK$57,128
baseline
▲ 0.50% · 4.625%
HK$60,604
+HK$3,476/mo
Deposit HK$7.86M · loan HK$11.79M · min. income ≈ HK$114,256/mo (50% DSR)
Upfront cash ≈ HK$8.60M (deposit + AVD stamp duty HK$736,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,804
−HK$3,231/mo
▼ 0.25% · 3.875%
HK$61,408
−HK$1,627/mo
Today · 4.125%
HK$63,035
baseline
▲ 0.50% · 4.625%
HK$66,358
+HK$3,323/mo
Deposit HK$7.86M · loan HK$11.79M · min. income ≈ HK$126,070/mo (50% DSR)
Upfront cash ≈ HK$8.60M (deposit + AVD stamp duty HK$736,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,716
−HK$3,933/mo
▼ 0.25% · 3.875%
HK$64,667
−HK$1,982/mo
Today · 4.125%
HK$66,649
baseline
▲ 0.50% · 4.625%
HK$70,705
+HK$4,056/mo
Deposit HK$5.89M · loan HK$13.75M · min. income ≈ HK$133,298/mo (50% DSR)
Upfront cash ≈ HK$6.63M (deposit + AVD stamp duty HK$736,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,771
−HK$3,770/mo
▼ 0.25% · 3.875%
HK$71,643
−HK$1,898/mo
Today · 4.125%
HK$73,541
baseline
▲ 0.50% · 4.625%
HK$77,417
+HK$3,876/mo
Deposit HK$5.89M · loan HK$13.75M · min. income ≈ HK$147,082/mo (50% DSR)
Upfront cash ≈ HK$6.63M (deposit + AVD stamp duty HK$736,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,635
−HK$5,057/mo
▼ 0.25% · 3.875%
HK$83,144
−HK$2,548/mo
Today · 4.125%
HK$85,692
baseline
▲ 0.50% · 4.625%
HK$90,906
+HK$5,214/mo
Deposit HK$1.96M · loan HK$17.68M · min. income ≈ HK$171,384/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$736,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,706
−HK$4,847/mo
▼ 0.25% · 3.875%
HK$92,112
−HK$2,441/mo
Today · 4.125%
HK$94,553
baseline
▲ 0.50% · 4.625%
HK$99,536
+HK$4,983/mo
Deposit HK$1.96M · loan HK$17.68M · min. income ≈ HK$189,106/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$736,717 · Scale 2, in force from 26 Feb 2026)