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$44,811
−HK$2,810/mo
▼ 0.25% · 3.875%
HK$46,205
−HK$1,416/mo
Today · 4.125%
HK$47,621
baseline
▲ 0.50% · 4.625%
HK$50,518
+HK$2,897/mo
Deposit HK$9.83M · loan HK$9.83M · min. income ≈ HK$95,242/mo (50% DSR)
Upfront cash ≈ HK$10.56M (deposit + AVD stamp duty HK$736,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,852
−HK$2,693/mo
▼ 0.25% · 3.875%
HK$51,189
−HK$1,356/mo
Today · 4.125%
HK$52,545
baseline
▲ 0.50% · 4.625%
HK$55,315
+HK$2,770/mo
Deposit HK$9.83M · loan HK$9.83M · min. income ≈ HK$105,090/mo (50% DSR)
Upfront cash ≈ HK$10.56M (deposit + AVD stamp duty HK$736,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,773
−HK$3,372/mo
▼ 0.25% · 3.875%
HK$55,446
−HK$1,699/mo
Today · 4.125%
HK$57,145
baseline
▲ 0.50% · 4.625%
HK$60,622
+HK$3,477/mo
Deposit HK$7.86M · loan HK$11.79M · min. income ≈ HK$114,290/mo (50% DSR)
Upfront cash ≈ HK$8.60M (deposit + AVD stamp duty HK$736,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,822
−HK$3,232/mo
▼ 0.25% · 3.875%
HK$61,426
−HK$1,628/mo
Today · 4.125%
HK$63,054
baseline
▲ 0.50% · 4.625%
HK$66,378
+HK$3,324/mo
Deposit HK$7.86M · loan HK$11.79M · min. income ≈ HK$126,108/mo (50% DSR)
Upfront cash ≈ HK$8.60M (deposit + AVD stamp duty HK$736,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,735
−HK$3,934/mo
▼ 0.25% · 3.875%
HK$64,687
−HK$1,982/mo
Today · 4.125%
HK$66,669
baseline
▲ 0.50% · 4.625%
HK$70,726
+HK$4,057/mo
Deposit HK$5.90M · loan HK$13.76M · min. income ≈ HK$133,338/mo (50% DSR)
Upfront cash ≈ HK$6.63M (deposit + AVD stamp duty HK$736,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,792
−HK$3,771/mo
▼ 0.25% · 3.875%
HK$71,664
−HK$1,899/mo
Today · 4.125%
HK$73,563
baseline
▲ 0.50% · 4.625%
HK$77,440
+HK$3,877/mo
Deposit HK$5.90M · loan HK$13.76M · min. income ≈ HK$147,126/mo (50% DSR)
Upfront cash ≈ HK$6.63M (deposit + AVD stamp duty HK$736,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,659
−HK$5,059/mo
▼ 0.25% · 3.875%
HK$83,168
−HK$2,550/mo
Today · 4.125%
HK$85,718
baseline
▲ 0.50% · 4.625%
HK$90,933
+HK$5,215/mo
Deposit HK$1.97M · loan HK$17.69M · min. income ≈ HK$171,436/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$736,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,733
−HK$4,848/mo
▼ 0.25% · 3.875%
HK$92,139
−HK$2,442/mo
Today · 4.125%
HK$94,581
baseline
▲ 0.50% · 4.625%
HK$99,566
+HK$4,985/mo
Deposit HK$1.97M · loan HK$17.69M · min. income ≈ HK$189,162/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$736,937 · Scale 2, in force from 26 Feb 2026)