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$44,393
−HK$2,784/mo
▼ 0.25% · 3.875%
HK$45,774
−HK$1,403/mo
Today · 4.125%
HK$47,177
baseline
▲ 0.50% · 4.625%
HK$50,048
+HK$2,871/mo
Deposit HK$9.73M · loan HK$9.73M · min. income ≈ HK$94,354/mo (50% DSR)
Upfront cash ≈ HK$10.46M (deposit + AVD stamp duty HK$730,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,387
−HK$2,668/mo
▼ 0.25% · 3.875%
HK$50,712
−HK$1,343/mo
Today · 4.125%
HK$52,055
baseline
▲ 0.50% · 4.625%
HK$54,799
+HK$2,744/mo
Deposit HK$9.73M · loan HK$9.73M · min. income ≈ HK$104,110/mo (50% DSR)
Upfront cash ≈ HK$10.46M (deposit + AVD stamp duty HK$730,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,272
−HK$3,341/mo
▼ 0.25% · 3.875%
HK$54,929
−HK$1,684/mo
Today · 4.125%
HK$56,613
baseline
▲ 0.50% · 4.625%
HK$60,057
+HK$3,444/mo
Deposit HK$7.79M · loan HK$11.68M · min. income ≈ HK$113,226/mo (50% DSR)
Upfront cash ≈ HK$8.52M (deposit + AVD stamp duty HK$730,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,265
−HK$3,202/mo
▼ 0.25% · 3.875%
HK$60,854
−HK$1,613/mo
Today · 4.125%
HK$62,467
baseline
▲ 0.50% · 4.625%
HK$65,759
+HK$3,292/mo
Deposit HK$7.79M · loan HK$11.68M · min. income ≈ HK$124,934/mo (50% DSR)
Upfront cash ≈ HK$8.52M (deposit + AVD stamp duty HK$730,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,151
−HK$3,897/mo
▼ 0.25% · 3.875%
HK$64,084
−HK$1,964/mo
Today · 4.125%
HK$66,048
baseline
▲ 0.50% · 4.625%
HK$70,067
+HK$4,019/mo
Deposit HK$5.84M · loan HK$13.63M · min. income ≈ HK$132,096/mo (50% DSR)
Upfront cash ≈ HK$6.57M (deposit + AVD stamp duty HK$730,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,142
−HK$3,736/mo
▼ 0.25% · 3.875%
HK$70,996
−HK$1,882/mo
Today · 4.125%
HK$72,878
baseline
▲ 0.50% · 4.625%
HK$76,719
+HK$3,841/mo
Deposit HK$5.84M · loan HK$13.63M · min. income ≈ HK$145,756/mo (50% DSR)
Upfront cash ≈ HK$6.57M (deposit + AVD stamp duty HK$730,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,908
−HK$5,011/mo
▼ 0.25% · 3.875%
HK$82,394
−HK$2,525/mo
Today · 4.125%
HK$84,919
baseline
▲ 0.50% · 4.625%
HK$90,086
+HK$5,167/mo
Deposit HK$1.95M · loan HK$17.52M · min. income ≈ HK$169,838/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$730,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,897
−HK$4,803/mo
▼ 0.25% · 3.875%
HK$91,281
−HK$2,419/mo
Today · 4.125%
HK$93,700
baseline
▲ 0.50% · 4.625%
HK$98,639
+HK$4,939/mo
Deposit HK$1.95M · loan HK$17.52M · min. income ≈ HK$187,400/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$730,073 · Scale 2, in force from 26 Feb 2026)