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$44,404
−HK$2,785/mo
▼ 0.25% · 3.875%
HK$45,786
−HK$1,403/mo
Today · 4.125%
HK$47,189
baseline
▲ 0.50% · 4.625%
HK$50,060
+HK$2,871/mo
Deposit HK$9.74M · loan HK$9.74M · min. income ≈ HK$94,378/mo (50% DSR)
Upfront cash ≈ HK$10.47M (deposit + AVD stamp duty HK$730,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,400
−HK$2,668/mo
▼ 0.25% · 3.875%
HK$50,724
−HK$1,344/mo
Today · 4.125%
HK$52,068
baseline
▲ 0.50% · 4.625%
HK$54,813
+HK$2,745/mo
Deposit HK$9.74M · loan HK$9.74M · min. income ≈ HK$104,136/mo (50% DSR)
Upfront cash ≈ HK$10.47M (deposit + AVD stamp duty HK$730,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,285
−HK$3,342/mo
▼ 0.25% · 3.875%
HK$54,943
−HK$1,684/mo
Today · 4.125%
HK$56,627
baseline
▲ 0.50% · 4.625%
HK$60,072
+HK$3,445/mo
Deposit HK$7.79M · loan HK$11.68M · min. income ≈ HK$113,254/mo (50% DSR)
Upfront cash ≈ HK$8.52M (deposit + AVD stamp duty HK$730,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,279
−HK$3,203/mo
▼ 0.25% · 3.875%
HK$60,869
−HK$1,613/mo
Today · 4.125%
HK$62,482
baseline
▲ 0.50% · 4.625%
HK$65,776
+HK$3,294/mo
Deposit HK$7.79M · loan HK$11.68M · min. income ≈ HK$124,964/mo (50% DSR)
Upfront cash ≈ HK$8.52M (deposit + AVD stamp duty HK$730,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,166
−HK$3,899/mo
▼ 0.25% · 3.875%
HK$64,100
−HK$1,965/mo
Today · 4.125%
HK$66,065
baseline
▲ 0.50% · 4.625%
HK$70,084
+HK$4,019/mo
Deposit HK$5.84M · loan HK$13.63M · min. income ≈ HK$132,130/mo (50% DSR)
Upfront cash ≈ HK$6.57M (deposit + AVD stamp duty HK$730,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,159
−HK$3,737/mo
▼ 0.25% · 3.875%
HK$71,014
−HK$1,882/mo
Today · 4.125%
HK$72,896
baseline
▲ 0.50% · 4.625%
HK$76,738
+HK$3,842/mo
Deposit HK$5.84M · loan HK$13.63M · min. income ≈ HK$145,792/mo (50% DSR)
Upfront cash ≈ HK$6.57M (deposit + AVD stamp duty HK$730,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,928
−HK$5,012/mo
▼ 0.25% · 3.875%
HK$82,414
−HK$2,526/mo
Today · 4.125%
HK$84,940
baseline
▲ 0.50% · 4.625%
HK$90,109
+HK$5,169/mo
Deposit HK$1.95M · loan HK$17.53M · min. income ≈ HK$169,880/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$730,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,919
−HK$4,804/mo
▼ 0.25% · 3.875%
HK$91,304
−HK$2,419/mo
Today · 4.125%
HK$93,723
baseline
▲ 0.50% · 4.625%
HK$98,663
+HK$4,940/mo
Deposit HK$1.95M · loan HK$17.53M · min. income ≈ HK$187,446/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$730,255 · Scale 2, in force from 26 Feb 2026)