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$44,502
−HK$2,791/mo
▼ 0.25% · 3.875%
HK$45,887
−HK$1,406/mo
Today · 4.125%
HK$47,293
baseline
▲ 0.50% · 4.625%
HK$50,171
+HK$2,878/mo
Deposit HK$9.76M · loan HK$9.76M · min. income ≈ HK$94,586/mo (50% DSR)
Upfront cash ≈ HK$10.49M (deposit + AVD stamp duty HK$731,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,508
−HK$2,675/mo
▼ 0.25% · 3.875%
HK$50,836
−HK$1,347/mo
Today · 4.125%
HK$52,183
baseline
▲ 0.50% · 4.625%
HK$54,934
+HK$2,751/mo
Deposit HK$9.76M · loan HK$9.76M · min. income ≈ HK$104,366/mo (50% DSR)
Upfront cash ≈ HK$10.49M (deposit + AVD stamp duty HK$731,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,403
−HK$3,349/mo
▼ 0.25% · 3.875%
HK$55,064
−HK$1,688/mo
Today · 4.125%
HK$56,752
baseline
▲ 0.50% · 4.625%
HK$60,205
+HK$3,453/mo
Deposit HK$7.81M · loan HK$11.71M · min. income ≈ HK$113,504/mo (50% DSR)
Upfront cash ≈ HK$8.54M (deposit + AVD stamp duty HK$731,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,410
−HK$3,210/mo
▼ 0.25% · 3.875%
HK$61,004
−HK$1,616/mo
Today · 4.125%
HK$62,620
baseline
▲ 0.50% · 4.625%
HK$65,921
+HK$3,301/mo
Deposit HK$7.81M · loan HK$11.71M · min. income ≈ HK$125,240/mo (50% DSR)
Upfront cash ≈ HK$8.54M (deposit + AVD stamp duty HK$731,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,303
−HK$3,907/mo
▼ 0.25% · 3.875%
HK$64,241
−HK$1,969/mo
Today · 4.125%
HK$66,210
baseline
▲ 0.50% · 4.625%
HK$70,239
+HK$4,029/mo
Deposit HK$5.85M · loan HK$13.66M · min. income ≈ HK$132,420/mo (50% DSR)
Upfront cash ≈ HK$6.59M (deposit + AVD stamp duty HK$731,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,312
−HK$3,745/mo
▼ 0.25% · 3.875%
HK$71,171
−HK$1,886/mo
Today · 4.125%
HK$73,057
baseline
▲ 0.50% · 4.625%
HK$76,907
+HK$3,850/mo
Deposit HK$5.85M · loan HK$13.66M · min. income ≈ HK$146,114/mo (50% DSR)
Upfront cash ≈ HK$6.59M (deposit + AVD stamp duty HK$731,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,104
−HK$5,024/mo
▼ 0.25% · 3.875%
HK$82,596
−HK$2,532/mo
Today · 4.125%
HK$85,128
baseline
▲ 0.50% · 4.625%
HK$90,307
+HK$5,179/mo
Deposit HK$1.95M · loan HK$17.56M · min. income ≈ HK$170,256/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$731,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,115
−HK$4,815/mo
▼ 0.25% · 3.875%
HK$91,505
−HK$2,425/mo
Today · 4.125%
HK$93,930
baseline
▲ 0.50% · 4.625%
HK$98,881
+HK$4,951/mo
Deposit HK$1.95M · loan HK$17.56M · min. income ≈ HK$187,860/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$731,866 · Scale 2, in force from 26 Feb 2026)