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$44,133
−HK$2,767/mo
▼ 0.25% · 3.875%
HK$45,506
−HK$1,394/mo
Today · 4.125%
HK$46,900
baseline
▲ 0.50% · 4.625%
HK$49,754
+HK$2,854/mo
Deposit HK$9.68M · loan HK$9.68M · min. income ≈ HK$93,800/mo (50% DSR)
Upfront cash ≈ HK$10.40M (deposit + AVD stamp duty HK$725,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,097
−HK$2,653/mo
▼ 0.25% · 3.875%
HK$50,414
−HK$1,336/mo
Today · 4.125%
HK$51,750
baseline
▲ 0.50% · 4.625%
HK$54,478
+HK$2,728/mo
Deposit HK$9.68M · loan HK$9.68M · min. income ≈ HK$103,500/mo (50% DSR)
Upfront cash ≈ HK$10.40M (deposit + AVD stamp duty HK$725,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,959
−HK$3,321/mo
▼ 0.25% · 3.875%
HK$54,607
−HK$1,673/mo
Today · 4.125%
HK$56,280
baseline
▲ 0.50% · 4.625%
HK$59,705
+HK$3,425/mo
Deposit HK$7.74M · loan HK$11.61M · min. income ≈ HK$112,560/mo (50% DSR)
Upfront cash ≈ HK$8.47M (deposit + AVD stamp duty HK$725,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,917
−HK$3,183/mo
▼ 0.25% · 3.875%
HK$60,497
−HK$1,603/mo
Today · 4.125%
HK$62,100
baseline
▲ 0.50% · 4.625%
HK$65,373
+HK$3,273/mo
Deposit HK$7.74M · loan HK$11.61M · min. income ≈ HK$124,200/mo (50% DSR)
Upfront cash ≈ HK$8.47M (deposit + AVD stamp duty HK$725,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,786
−HK$3,874/mo
▼ 0.25% · 3.875%
HK$63,708
−HK$1,952/mo
Today · 4.125%
HK$65,660
baseline
▲ 0.50% · 4.625%
HK$69,656
+HK$3,996/mo
Deposit HK$5.81M · loan HK$13.55M · min. income ≈ HK$131,320/mo (50% DSR)
Upfront cash ≈ HK$6.53M (deposit + AVD stamp duty HK$725,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,736
−HK$3,714/mo
▼ 0.25% · 3.875%
HK$70,580
−HK$1,870/mo
Today · 4.125%
HK$72,450
baseline
▲ 0.50% · 4.625%
HK$76,269
+HK$3,819/mo
Deposit HK$5.81M · loan HK$13.55M · min. income ≈ HK$144,900/mo (50% DSR)
Upfront cash ≈ HK$6.53M (deposit + AVD stamp duty HK$725,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,439
−HK$4,981/mo
▼ 0.25% · 3.875%
HK$81,910
−HK$2,510/mo
Today · 4.125%
HK$84,420
baseline
▲ 0.50% · 4.625%
HK$89,557
+HK$5,137/mo
Deposit HK$1.94M · loan HK$17.42M · min. income ≈ HK$168,840/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$725,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,375
−HK$4,775/mo
▼ 0.25% · 3.875%
HK$90,745
−HK$2,405/mo
Today · 4.125%
HK$93,150
baseline
▲ 0.50% · 4.625%
HK$98,060
+HK$4,910/mo
Deposit HK$1.94M · loan HK$17.42M · min. income ≈ HK$186,300/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$725,786 · Scale 2, in force from 26 Feb 2026)