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$44,728
−HK$2,805/mo
▼ 0.25% · 3.875%
HK$46,120
−HK$1,413/mo
Today · 4.125%
HK$47,533
baseline
▲ 0.50% · 4.625%
HK$50,426
+HK$2,893/mo
Deposit HK$9.81M · loan HK$9.81M · min. income ≈ HK$95,066/mo (50% DSR)
Upfront cash ≈ HK$10.54M (deposit + AVD stamp duty HK$735,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,760
−HK$2,688/mo
▼ 0.25% · 3.875%
HK$51,094
−HK$1,354/mo
Today · 4.125%
HK$52,448
baseline
▲ 0.50% · 4.625%
HK$55,213
+HK$2,765/mo
Deposit HK$9.81M · loan HK$9.81M · min. income ≈ HK$104,896/mo (50% DSR)
Upfront cash ≈ HK$10.54M (deposit + AVD stamp duty HK$735,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,674
−HK$3,366/mo
▼ 0.25% · 3.875%
HK$55,344
−HK$1,696/mo
Today · 4.125%
HK$57,040
baseline
▲ 0.50% · 4.625%
HK$60,511
+HK$3,471/mo
Deposit HK$7.85M · loan HK$11.77M · min. income ≈ HK$114,080/mo (50% DSR)
Upfront cash ≈ HK$8.58M (deposit + AVD stamp duty HK$735,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,712
−HK$3,226/mo
▼ 0.25% · 3.875%
HK$61,313
−HK$1,625/mo
Today · 4.125%
HK$62,938
baseline
▲ 0.50% · 4.625%
HK$66,256
+HK$3,318/mo
Deposit HK$7.85M · loan HK$11.77M · min. income ≈ HK$125,876/mo (50% DSR)
Upfront cash ≈ HK$8.58M (deposit + AVD stamp duty HK$735,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,620
−HK$3,927/mo
▼ 0.25% · 3.875%
HK$64,568
−HK$1,979/mo
Today · 4.125%
HK$66,547
baseline
▲ 0.50% · 4.625%
HK$70,596
+HK$4,049/mo
Deposit HK$5.88M · loan HK$13.73M · min. income ≈ HK$133,094/mo (50% DSR)
Upfront cash ≈ HK$6.62M (deposit + AVD stamp duty HK$735,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,664
−HK$3,764/mo
▼ 0.25% · 3.875%
HK$71,532
−HK$1,896/mo
Today · 4.125%
HK$73,428
baseline
▲ 0.50% · 4.625%
HK$77,298
+HK$3,870/mo
Deposit HK$5.88M · loan HK$13.73M · min. income ≈ HK$146,856/mo (50% DSR)
Upfront cash ≈ HK$6.62M (deposit + AVD stamp duty HK$735,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,511
−HK$5,049/mo
▼ 0.25% · 3.875%
HK$83,016
−HK$2,544/mo
Today · 4.125%
HK$85,560
baseline
▲ 0.50% · 4.625%
HK$90,766
+HK$5,206/mo
Deposit HK$1.96M · loan HK$17.65M · min. income ≈ HK$171,120/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$735,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,568
−HK$4,839/mo
▼ 0.25% · 3.875%
HK$91,970
−HK$2,437/mo
Today · 4.125%
HK$94,407
baseline
▲ 0.50% · 4.625%
HK$99,383
+HK$4,976/mo
Deposit HK$1.96M · loan HK$17.65M · min. income ≈ HK$188,814/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$735,583 · Scale 2, in force from 26 Feb 2026)