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$44,790
−HK$2,808/mo
▼ 0.25% · 3.875%
HK$46,183
−HK$1,415/mo
Today · 4.125%
HK$47,598
baseline
▲ 0.50% · 4.625%
HK$50,495
+HK$2,897/mo
Deposit HK$9.82M · loan HK$9.82M · min. income ≈ HK$95,196/mo (50% DSR)
Upfront cash ≈ HK$10.56M (deposit + AVD stamp duty HK$736,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,828
−HK$2,692/mo
▼ 0.25% · 3.875%
HK$51,164
−HK$1,356/mo
Today · 4.125%
HK$52,520
baseline
▲ 0.50% · 4.625%
HK$55,288
+HK$2,768/mo
Deposit HK$9.82M · loan HK$9.82M · min. income ≈ HK$105,040/mo (50% DSR)
Upfront cash ≈ HK$10.56M (deposit + AVD stamp duty HK$736,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,748
−HK$3,370/mo
▼ 0.25% · 3.875%
HK$55,419
−HK$1,699/mo
Today · 4.125%
HK$57,118
baseline
▲ 0.50% · 4.625%
HK$60,593
+HK$3,475/mo
Deposit HK$7.86M · loan HK$11.79M · min. income ≈ HK$114,236/mo (50% DSR)
Upfront cash ≈ HK$8.59M (deposit + AVD stamp duty HK$736,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,794
−HK$3,230/mo
▼ 0.25% · 3.875%
HK$61,397
−HK$1,627/mo
Today · 4.125%
HK$63,024
baseline
▲ 0.50% · 4.625%
HK$66,346
+HK$3,322/mo
Deposit HK$7.86M · loan HK$11.79M · min. income ≈ HK$126,048/mo (50% DSR)
Upfront cash ≈ HK$8.59M (deposit + AVD stamp duty HK$736,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,705
−HK$3,933/mo
▼ 0.25% · 3.875%
HK$64,656
−HK$1,982/mo
Today · 4.125%
HK$66,638
baseline
▲ 0.50% · 4.625%
HK$70,692
+HK$4,054/mo
Deposit HK$5.89M · loan HK$13.75M · min. income ≈ HK$133,276/mo (50% DSR)
Upfront cash ≈ HK$6.63M (deposit + AVD stamp duty HK$736,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,759
−HK$3,769/mo
▼ 0.25% · 3.875%
HK$71,630
−HK$1,898/mo
Today · 4.125%
HK$73,528
baseline
▲ 0.50% · 4.625%
HK$77,404
+HK$3,876/mo
Deposit HK$5.89M · loan HK$13.75M · min. income ≈ HK$147,056/mo (50% DSR)
Upfront cash ≈ HK$6.63M (deposit + AVD stamp duty HK$736,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,621
−HK$5,056/mo
▼ 0.25% · 3.875%
HK$83,129
−HK$2,548/mo
Today · 4.125%
HK$85,677
baseline
▲ 0.50% · 4.625%
HK$90,890
+HK$5,213/mo
Deposit HK$1.96M · loan HK$17.68M · min. income ≈ HK$171,354/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$736,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,690
−HK$4,846/mo
▼ 0.25% · 3.875%
HK$92,096
−HK$2,440/mo
Today · 4.125%
HK$94,536
baseline
▲ 0.50% · 4.625%
HK$99,519
+HK$4,983/mo
Deposit HK$1.96M · loan HK$17.68M · min. income ≈ HK$189,072/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$736,589 · Scale 2, in force from 26 Feb 2026)