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$44,522
−HK$2,792/mo
▼ 0.25% · 3.875%
HK$45,907
−HK$1,407/mo
Today · 4.125%
HK$47,314
baseline
▲ 0.50% · 4.625%
HK$50,193
+HK$2,879/mo
Deposit HK$9.76M · loan HK$9.76M · min. income ≈ HK$94,628/mo (50% DSR)
Upfront cash ≈ HK$10.49M (deposit + AVD stamp duty HK$732,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,531
−HK$2,676/mo
▼ 0.25% · 3.875%
HK$50,859
−HK$1,348/mo
Today · 4.125%
HK$52,207
baseline
▲ 0.50% · 4.625%
HK$54,958
+HK$2,751/mo
Deposit HK$9.76M · loan HK$9.76M · min. income ≈ HK$104,414/mo (50% DSR)
Upfront cash ≈ HK$10.49M (deposit + AVD stamp duty HK$732,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,427
−HK$3,350/mo
▼ 0.25% · 3.875%
HK$55,089
−HK$1,688/mo
Today · 4.125%
HK$56,777
baseline
▲ 0.50% · 4.625%
HK$60,232
+HK$3,455/mo
Deposit HK$7.81M · loan HK$11.72M · min. income ≈ HK$113,554/mo (50% DSR)
Upfront cash ≈ HK$8.54M (deposit + AVD stamp duty HK$732,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,437
−HK$3,211/mo
▼ 0.25% · 3.875%
HK$61,031
−HK$1,617/mo
Today · 4.125%
HK$62,648
baseline
▲ 0.50% · 4.625%
HK$65,950
+HK$3,302/mo
Deposit HK$7.81M · loan HK$11.72M · min. income ≈ HK$125,296/mo (50% DSR)
Upfront cash ≈ HK$8.54M (deposit + AVD stamp duty HK$732,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,331
−HK$3,909/mo
▼ 0.25% · 3.875%
HK$64,270
−HK$1,970/mo
Today · 4.125%
HK$66,240
baseline
▲ 0.50% · 4.625%
HK$70,270
+HK$4,030/mo
Deposit HK$5.86M · loan HK$13.67M · min. income ≈ HK$132,480/mo (50% DSR)
Upfront cash ≈ HK$6.59M (deposit + AVD stamp duty HK$732,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,343
−HK$3,746/mo
▼ 0.25% · 3.875%
HK$71,203
−HK$1,886/mo
Today · 4.125%
HK$73,089
baseline
▲ 0.50% · 4.625%
HK$76,942
+HK$3,853/mo
Deposit HK$5.86M · loan HK$13.67M · min. income ≈ HK$146,178/mo (50% DSR)
Upfront cash ≈ HK$6.59M (deposit + AVD stamp duty HK$732,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,140
−HK$5,026/mo
▼ 0.25% · 3.875%
HK$82,633
−HK$2,533/mo
Today · 4.125%
HK$85,166
baseline
▲ 0.50% · 4.625%
HK$90,348
+HK$5,182/mo
Deposit HK$1.95M · loan HK$17.57M · min. income ≈ HK$170,332/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$732,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,155
−HK$4,817/mo
▼ 0.25% · 3.875%
HK$91,546
−HK$2,426/mo
Today · 4.125%
HK$93,972
baseline
▲ 0.50% · 4.625%
HK$98,925
+HK$4,953/mo
Deposit HK$1.95M · loan HK$17.57M · min. income ≈ HK$187,944/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$732,192 · Scale 2, in force from 26 Feb 2026)