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$44,832
−HK$2,811/mo
▼ 0.25% · 3.875%
HK$46,227
−HK$1,416/mo
Today · 4.125%
HK$47,643
baseline
▲ 0.50% · 4.625%
HK$50,542
+HK$2,899/mo
Deposit HK$9.83M · loan HK$9.83M · min. income ≈ HK$95,286/mo (50% DSR)
Upfront cash ≈ HK$10.57M (deposit + AVD stamp duty HK$737,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,875
−HK$2,695/mo
▼ 0.25% · 3.875%
HK$51,213
−HK$1,357/mo
Today · 4.125%
HK$52,570
baseline
▲ 0.50% · 4.625%
HK$55,341
+HK$2,771/mo
Deposit HK$9.83M · loan HK$9.83M · min. income ≈ HK$105,140/mo (50% DSR)
Upfront cash ≈ HK$10.57M (deposit + AVD stamp duty HK$737,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,798
−HK$3,374/mo
▼ 0.25% · 3.875%
HK$55,472
−HK$1,700/mo
Today · 4.125%
HK$57,172
baseline
▲ 0.50% · 4.625%
HK$60,651
+HK$3,479/mo
Deposit HK$7.86M · loan HK$11.80M · min. income ≈ HK$114,344/mo (50% DSR)
Upfront cash ≈ HK$8.60M (deposit + AVD stamp duty HK$737,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,850
−HK$3,234/mo
▼ 0.25% · 3.875%
HK$61,455
−HK$1,629/mo
Today · 4.125%
HK$63,084
baseline
▲ 0.50% · 4.625%
HK$66,409
+HK$3,325/mo
Deposit HK$7.86M · loan HK$11.80M · min. income ≈ HK$126,168/mo (50% DSR)
Upfront cash ≈ HK$8.60M (deposit + AVD stamp duty HK$737,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,765
−HK$3,936/mo
▼ 0.25% · 3.875%
HK$64,717
−HK$1,984/mo
Today · 4.125%
HK$66,701
baseline
▲ 0.50% · 4.625%
HK$70,759
+HK$4,058/mo
Deposit HK$5.90M · loan HK$13.76M · min. income ≈ HK$133,402/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$737,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,825
−HK$3,773/mo
▼ 0.25% · 3.875%
HK$71,698
−HK$1,900/mo
Today · 4.125%
HK$73,598
baseline
▲ 0.50% · 4.625%
HK$77,477
+HK$3,879/mo
Deposit HK$5.90M · loan HK$13.76M · min. income ≈ HK$147,196/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$737,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,698
−HK$5,060/mo
▼ 0.25% · 3.875%
HK$83,208
−HK$2,550/mo
Today · 4.125%
HK$85,758
baseline
▲ 0.50% · 4.625%
HK$90,976
+HK$5,218/mo
Deposit HK$1.97M · loan HK$17.69M · min. income ≈ HK$171,516/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$737,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,775
−HK$4,851/mo
▼ 0.25% · 3.875%
HK$92,183
−HK$2,443/mo
Today · 4.125%
HK$94,626
baseline
▲ 0.50% · 4.625%
HK$99,613
+HK$4,987/mo
Deposit HK$1.97M · loan HK$17.69M · min. income ≈ HK$189,252/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$737,287 · Scale 2, in force from 26 Feb 2026)