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$44,395
−HK$2,784/mo
▼ 0.25% · 3.875%
HK$45,776
−HK$1,403/mo
Today · 4.125%
HK$47,179
baseline
▲ 0.50% · 4.625%
HK$50,049
+HK$2,870/mo
Deposit HK$9.73M · loan HK$9.73M · min. income ≈ HK$94,358/mo (50% DSR)
Upfront cash ≈ HK$10.46M (deposit + AVD stamp duty HK$730,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,389
−HK$2,668/mo
▼ 0.25% · 3.875%
HK$50,713
−HK$1,344/mo
Today · 4.125%
HK$52,057
baseline
▲ 0.50% · 4.625%
HK$54,801
+HK$2,744/mo
Deposit HK$9.73M · loan HK$9.73M · min. income ≈ HK$104,114/mo (50% DSR)
Upfront cash ≈ HK$10.46M (deposit + AVD stamp duty HK$730,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,274
−HK$3,340/mo
▼ 0.25% · 3.875%
HK$54,931
−HK$1,683/mo
Today · 4.125%
HK$56,614
baseline
▲ 0.50% · 4.625%
HK$60,059
+HK$3,445/mo
Deposit HK$7.79M · loan HK$11.68M · min. income ≈ HK$113,228/mo (50% DSR)
Upfront cash ≈ HK$8.52M (deposit + AVD stamp duty HK$730,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,267
−HK$3,202/mo
▼ 0.25% · 3.875%
HK$60,856
−HK$1,613/mo
Today · 4.125%
HK$62,469
baseline
▲ 0.50% · 4.625%
HK$65,761
+HK$3,292/mo
Deposit HK$7.79M · loan HK$11.68M · min. income ≈ HK$124,938/mo (50% DSR)
Upfront cash ≈ HK$8.52M (deposit + AVD stamp duty HK$730,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,153
−HK$3,897/mo
▼ 0.25% · 3.875%
HK$64,086
−HK$1,964/mo
Today · 4.125%
HK$66,050
baseline
▲ 0.50% · 4.625%
HK$70,069
+HK$4,019/mo
Deposit HK$5.84M · loan HK$13.63M · min. income ≈ HK$132,100/mo (50% DSR)
Upfront cash ≈ HK$6.57M (deposit + AVD stamp duty HK$730,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,144
−HK$3,736/mo
▼ 0.25% · 3.875%
HK$70,999
−HK$1,881/mo
Today · 4.125%
HK$72,880
baseline
▲ 0.50% · 4.625%
HK$76,722
+HK$3,842/mo
Deposit HK$5.84M · loan HK$13.63M · min. income ≈ HK$145,760/mo (50% DSR)
Upfront cash ≈ HK$6.57M (deposit + AVD stamp duty HK$730,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,911
−HK$5,011/mo
▼ 0.25% · 3.875%
HK$82,396
−HK$2,526/mo
Today · 4.125%
HK$84,922
baseline
▲ 0.50% · 4.625%
HK$90,089
+HK$5,167/mo
Deposit HK$1.95M · loan HK$17.52M · min. income ≈ HK$169,844/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$730,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,900
−HK$4,803/mo
▼ 0.25% · 3.875%
HK$91,284
−HK$2,419/mo
Today · 4.125%
HK$93,703
baseline
▲ 0.50% · 4.625%
HK$98,642
+HK$4,939/mo
Deposit HK$1.95M · loan HK$17.52M · min. income ≈ HK$187,406/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$730,096 · Scale 2, in force from 26 Feb 2026)