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$44,357
−HK$2,782/mo
▼ 0.25% · 3.875%
HK$45,737
−HK$1,402/mo
Today · 4.125%
HK$47,139
baseline
▲ 0.50% · 4.625%
HK$50,007
+HK$2,868/mo
Deposit HK$9.73M · loan HK$9.73M · min. income ≈ HK$94,278/mo (50% DSR)
Upfront cash ≈ HK$10.46M (deposit + AVD stamp duty HK$729,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,347
−HK$2,666/mo
▼ 0.25% · 3.875%
HK$50,670
−HK$1,343/mo
Today · 4.125%
HK$52,013
baseline
▲ 0.50% · 4.625%
HK$54,755
+HK$2,742/mo
Deposit HK$9.73M · loan HK$9.73M · min. income ≈ HK$104,026/mo (50% DSR)
Upfront cash ≈ HK$10.46M (deposit + AVD stamp duty HK$729,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,229
−HK$3,338/mo
▼ 0.25% · 3.875%
HK$54,884
−HK$1,683/mo
Today · 4.125%
HK$56,567
baseline
▲ 0.50% · 4.625%
HK$60,009
+HK$3,442/mo
Deposit HK$7.78M · loan HK$11.67M · min. income ≈ HK$113,134/mo (50% DSR)
Upfront cash ≈ HK$8.51M (deposit + AVD stamp duty HK$729,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,216
−HK$3,200/mo
▼ 0.25% · 3.875%
HK$60,805
−HK$1,611/mo
Today · 4.125%
HK$62,416
baseline
▲ 0.50% · 4.625%
HK$65,706
+HK$3,290/mo
Deposit HK$7.78M · loan HK$11.67M · min. income ≈ HK$124,832/mo (50% DSR)
Upfront cash ≈ HK$8.51M (deposit + AVD stamp duty HK$729,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,100
−HK$3,894/mo
▼ 0.25% · 3.875%
HK$64,032
−HK$1,962/mo
Today · 4.125%
HK$65,994
baseline
▲ 0.50% · 4.625%
HK$70,010
+HK$4,016/mo
Deposit HK$5.84M · loan HK$13.62M · min. income ≈ HK$131,988/mo (50% DSR)
Upfront cash ≈ HK$6.57M (deposit + AVD stamp duty HK$729,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,086
−HK$3,732/mo
▼ 0.25% · 3.875%
HK$70,939
−HK$1,879/mo
Today · 4.125%
HK$72,818
baseline
▲ 0.50% · 4.625%
HK$76,657
+HK$3,839/mo
Deposit HK$5.84M · loan HK$13.62M · min. income ≈ HK$145,636/mo (50% DSR)
Upfront cash ≈ HK$6.57M (deposit + AVD stamp duty HK$729,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,843
−HK$5,007/mo
▼ 0.25% · 3.875%
HK$82,327
−HK$2,523/mo
Today · 4.125%
HK$84,850
baseline
▲ 0.50% · 4.625%
HK$90,013
+HK$5,163/mo
Deposit HK$1.95M · loan HK$17.51M · min. income ≈ HK$169,700/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$729,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,825
−HK$4,799/mo
▼ 0.25% · 3.875%
HK$91,207
−HK$2,417/mo
Today · 4.125%
HK$93,624
baseline
▲ 0.50% · 4.625%
HK$98,559
+HK$4,935/mo
Deposit HK$1.95M · loan HK$17.51M · min. income ≈ HK$187,248/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$729,479 · Scale 2, in force from 26 Feb 2026)