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$44,775
−HK$2,808/mo
▼ 0.25% · 3.875%
HK$46,168
−HK$1,415/mo
Today · 4.125%
HK$47,583
baseline
▲ 0.50% · 4.625%
HK$50,479
+HK$2,896/mo
Deposit HK$9.82M · loan HK$9.82M · min. income ≈ HK$95,166/mo (50% DSR)
Upfront cash ≈ HK$10.55M (deposit + AVD stamp duty HK$736,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,812
−HK$2,691/mo
▼ 0.25% · 3.875%
HK$51,148
−HK$1,355/mo
Today · 4.125%
HK$52,503
baseline
▲ 0.50% · 4.625%
HK$55,271
+HK$2,768/mo
Deposit HK$9.82M · loan HK$9.82M · min. income ≈ HK$105,006/mo (50% DSR)
Upfront cash ≈ HK$10.55M (deposit + AVD stamp duty HK$736,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,731
−HK$3,369/mo
▼ 0.25% · 3.875%
HK$55,402
−HK$1,698/mo
Today · 4.125%
HK$57,100
baseline
▲ 0.50% · 4.625%
HK$60,574
+HK$3,474/mo
Deposit HK$7.85M · loan HK$11.78M · min. income ≈ HK$114,200/mo (50% DSR)
Upfront cash ≈ HK$8.59M (deposit + AVD stamp duty HK$736,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,775
−HK$3,229/mo
▼ 0.25% · 3.875%
HK$61,378
−HK$1,626/mo
Today · 4.125%
HK$63,004
baseline
▲ 0.50% · 4.625%
HK$66,325
+HK$3,321/mo
Deposit HK$7.85M · loan HK$11.78M · min. income ≈ HK$126,008/mo (50% DSR)
Upfront cash ≈ HK$8.59M (deposit + AVD stamp duty HK$736,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,686
−HK$3,931/mo
▼ 0.25% · 3.875%
HK$64,636
−HK$1,981/mo
Today · 4.125%
HK$66,617
baseline
▲ 0.50% · 4.625%
HK$70,670
+HK$4,053/mo
Deposit HK$5.89M · loan HK$13.75M · min. income ≈ HK$133,234/mo (50% DSR)
Upfront cash ≈ HK$6.63M (deposit + AVD stamp duty HK$736,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,737
−HK$3,768/mo
▼ 0.25% · 3.875%
HK$71,608
−HK$1,897/mo
Today · 4.125%
HK$73,505
baseline
▲ 0.50% · 4.625%
HK$77,379
+HK$3,874/mo
Deposit HK$5.89M · loan HK$13.75M · min. income ≈ HK$147,010/mo (50% DSR)
Upfront cash ≈ HK$6.63M (deposit + AVD stamp duty HK$736,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,596
−HK$5,054/mo
▼ 0.25% · 3.875%
HK$83,103
−HK$2,547/mo
Today · 4.125%
HK$85,650
baseline
▲ 0.50% · 4.625%
HK$90,862
+HK$5,212/mo
Deposit HK$1.96M · loan HK$17.67M · min. income ≈ HK$171,300/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$736,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,662
−HK$4,844/mo
▼ 0.25% · 3.875%
HK$92,067
−HK$2,439/mo
Today · 4.125%
HK$94,506
baseline
▲ 0.50% · 4.625%
HK$99,488
+HK$4,982/mo
Deposit HK$1.96M · loan HK$17.67M · min. income ≈ HK$189,012/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$736,357 · Scale 2, in force from 26 Feb 2026)