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$44,752
−HK$2,807/mo
▼ 0.25% · 3.875%
HK$46,144
−HK$1,415/mo
Today · 4.125%
HK$47,559
baseline
▲ 0.50% · 4.625%
HK$50,453
+HK$2,894/mo
Deposit HK$9.81M · loan HK$9.81M · min. income ≈ HK$95,118/mo (50% DSR)
Upfront cash ≈ HK$10.55M (deposit + AVD stamp duty HK$735,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,787
−HK$2,689/mo
▼ 0.25% · 3.875%
HK$51,122
−HK$1,354/mo
Today · 4.125%
HK$52,476
baseline
▲ 0.50% · 4.625%
HK$55,242
+HK$2,766/mo
Deposit HK$9.81M · loan HK$9.81M · min. income ≈ HK$104,952/mo (50% DSR)
Upfront cash ≈ HK$10.55M (deposit + AVD stamp duty HK$735,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,703
−HK$3,367/mo
▼ 0.25% · 3.875%
HK$55,373
−HK$1,697/mo
Today · 4.125%
HK$57,070
baseline
▲ 0.50% · 4.625%
HK$60,543
+HK$3,473/mo
Deposit HK$7.85M · loan HK$11.78M · min. income ≈ HK$114,140/mo (50% DSR)
Upfront cash ≈ HK$8.59M (deposit + AVD stamp duty HK$735,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,744
−HK$3,228/mo
▼ 0.25% · 3.875%
HK$61,346
−HK$1,626/mo
Today · 4.125%
HK$62,972
baseline
▲ 0.50% · 4.625%
HK$66,291
+HK$3,319/mo
Deposit HK$7.85M · loan HK$11.78M · min. income ≈ HK$125,944/mo (50% DSR)
Upfront cash ≈ HK$8.59M (deposit + AVD stamp duty HK$735,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,653
−HK$3,929/mo
▼ 0.25% · 3.875%
HK$64,602
−HK$1,980/mo
Today · 4.125%
HK$66,582
baseline
▲ 0.50% · 4.625%
HK$70,634
+HK$4,052/mo
Deposit HK$5.89M · loan HK$13.74M · min. income ≈ HK$133,164/mo (50% DSR)
Upfront cash ≈ HK$6.62M (deposit + AVD stamp duty HK$735,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,701
−HK$3,766/mo
▼ 0.25% · 3.875%
HK$71,571
−HK$1,896/mo
Today · 4.125%
HK$73,467
baseline
▲ 0.50% · 4.625%
HK$77,339
+HK$3,872/mo
Deposit HK$5.89M · loan HK$13.74M · min. income ≈ HK$146,934/mo (50% DSR)
Upfront cash ≈ HK$6.62M (deposit + AVD stamp duty HK$735,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,554
−HK$5,052/mo
▼ 0.25% · 3.875%
HK$83,060
−HK$2,546/mo
Today · 4.125%
HK$85,606
baseline
▲ 0.50% · 4.625%
HK$90,815
+HK$5,209/mo
Deposit HK$1.96M · loan HK$17.66M · min. income ≈ HK$171,212/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$735,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,616
−HK$4,841/mo
▼ 0.25% · 3.875%
HK$92,019
−HK$2,438/mo
Today · 4.125%
HK$94,457
baseline
▲ 0.50% · 4.625%
HK$99,436
+HK$4,979/mo
Deposit HK$1.96M · loan HK$17.66M · min. income ≈ HK$188,914/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$735,976 · Scale 2, in force from 26 Feb 2026)