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$44,734
−HK$2,806/mo
▼ 0.25% · 3.875%
HK$46,126
−HK$1,414/mo
Today · 4.125%
HK$47,540
baseline
▲ 0.50% · 4.625%
HK$50,432
+HK$2,892/mo
Deposit HK$9.81M · loan HK$9.81M · min. income ≈ HK$95,080/mo (50% DSR)
Upfront cash ≈ HK$10.54M (deposit + AVD stamp duty HK$735,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,767
−HK$2,688/mo
▼ 0.25% · 3.875%
HK$51,101
−HK$1,354/mo
Today · 4.125%
HK$52,455
baseline
▲ 0.50% · 4.625%
HK$55,220
+HK$2,765/mo
Deposit HK$9.81M · loan HK$9.81M · min. income ≈ HK$104,910/mo (50% DSR)
Upfront cash ≈ HK$10.54M (deposit + AVD stamp duty HK$735,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,681
−HK$3,367/mo
▼ 0.25% · 3.875%
HK$55,351
−HK$1,697/mo
Today · 4.125%
HK$57,048
baseline
▲ 0.50% · 4.625%
HK$60,519
+HK$3,471/mo
Deposit HK$7.85M · loan HK$11.77M · min. income ≈ HK$114,096/mo (50% DSR)
Upfront cash ≈ HK$8.58M (deposit + AVD stamp duty HK$735,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,720
−HK$3,226/mo
▼ 0.25% · 3.875%
HK$61,322
−HK$1,624/mo
Today · 4.125%
HK$62,946
baseline
▲ 0.50% · 4.625%
HK$66,264
+HK$3,318/mo
Deposit HK$7.85M · loan HK$11.77M · min. income ≈ HK$125,892/mo (50% DSR)
Upfront cash ≈ HK$8.58M (deposit + AVD stamp duty HK$735,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,628
−HK$3,928/mo
▼ 0.25% · 3.875%
HK$64,576
−HK$1,980/mo
Today · 4.125%
HK$66,556
baseline
▲ 0.50% · 4.625%
HK$70,605
+HK$4,049/mo
Deposit HK$5.89M · loan HK$13.73M · min. income ≈ HK$133,112/mo (50% DSR)
Upfront cash ≈ HK$6.62M (deposit + AVD stamp duty HK$735,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,673
−HK$3,765/mo
▼ 0.25% · 3.875%
HK$71,542
−HK$1,896/mo
Today · 4.125%
HK$73,438
baseline
▲ 0.50% · 4.625%
HK$77,309
+HK$3,871/mo
Deposit HK$5.89M · loan HK$13.73M · min. income ≈ HK$146,876/mo (50% DSR)
Upfront cash ≈ HK$6.62M (deposit + AVD stamp duty HK$735,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,522
−HK$5,049/mo
▼ 0.25% · 3.875%
HK$83,027
−HK$2,544/mo
Today · 4.125%
HK$85,571
baseline
▲ 0.50% · 4.625%
HK$90,778
+HK$5,207/mo
Deposit HK$1.96M · loan HK$17.66M · min. income ≈ HK$171,142/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$735,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,580
−HK$4,840/mo
▼ 0.25% · 3.875%
HK$91,982
−HK$2,438/mo
Today · 4.125%
HK$94,420
baseline
▲ 0.50% · 4.625%
HK$99,397
+HK$4,977/mo
Deposit HK$1.96M · loan HK$17.66M · min. income ≈ HK$188,840/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$735,682 · Scale 2, in force from 26 Feb 2026)