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$44,769
−HK$2,807/mo
▼ 0.25% · 3.875%
HK$46,161
−HK$1,415/mo
Today · 4.125%
HK$47,576
baseline
▲ 0.50% · 4.625%
HK$50,471
+HK$2,895/mo
Deposit HK$9.82M · loan HK$9.82M · min. income ≈ HK$95,152/mo (50% DSR)
Upfront cash ≈ HK$10.55M (deposit + AVD stamp duty HK$736,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,805
−HK$2,690/mo
▼ 0.25% · 3.875%
HK$51,140
−HK$1,355/mo
Today · 4.125%
HK$52,495
baseline
▲ 0.50% · 4.625%
HK$55,263
+HK$2,768/mo
Deposit HK$9.82M · loan HK$9.82M · min. income ≈ HK$104,990/mo (50% DSR)
Upfront cash ≈ HK$10.55M (deposit + AVD stamp duty HK$736,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,722
−HK$3,369/mo
▼ 0.25% · 3.875%
HK$55,393
−HK$1,698/mo
Today · 4.125%
HK$57,091
baseline
▲ 0.50% · 4.625%
HK$60,565
+HK$3,474/mo
Deposit HK$7.85M · loan HK$11.78M · min. income ≈ HK$114,182/mo (50% DSR)
Upfront cash ≈ HK$8.59M (deposit + AVD stamp duty HK$736,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,766
−HK$3,229/mo
▼ 0.25% · 3.875%
HK$61,368
−HK$1,627/mo
Today · 4.125%
HK$62,995
baseline
▲ 0.50% · 4.625%
HK$66,315
+HK$3,320/mo
Deposit HK$7.85M · loan HK$11.78M · min. income ≈ HK$125,990/mo (50% DSR)
Upfront cash ≈ HK$8.59M (deposit + AVD stamp duty HK$736,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,676
−HK$3,930/mo
▼ 0.25% · 3.875%
HK$64,626
−HK$1,980/mo
Today · 4.125%
HK$66,606
baseline
▲ 0.50% · 4.625%
HK$70,659
+HK$4,053/mo
Deposit HK$5.89M · loan HK$13.74M · min. income ≈ HK$133,212/mo (50% DSR)
Upfront cash ≈ HK$6.63M (deposit + AVD stamp duty HK$736,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,727
−HK$3,767/mo
▼ 0.25% · 3.875%
HK$71,597
−HK$1,897/mo
Today · 4.125%
HK$73,494
baseline
▲ 0.50% · 4.625%
HK$77,368
+HK$3,874/mo
Deposit HK$5.89M · loan HK$13.74M · min. income ≈ HK$146,988/mo (50% DSR)
Upfront cash ≈ HK$6.63M (deposit + AVD stamp duty HK$736,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,584
−HK$5,053/mo
▼ 0.25% · 3.875%
HK$83,090
−HK$2,547/mo
Today · 4.125%
HK$85,637
baseline
▲ 0.50% · 4.625%
HK$90,848
+HK$5,211/mo
Deposit HK$1.96M · loan HK$17.67M · min. income ≈ HK$171,274/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$736,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,648
−HK$4,844/mo
▼ 0.25% · 3.875%
HK$92,053
−HK$2,439/mo
Today · 4.125%
HK$94,492
baseline
▲ 0.50% · 4.625%
HK$99,473
+HK$4,981/mo
Deposit HK$1.96M · loan HK$17.67M · min. income ≈ HK$188,984/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$736,244 · Scale 2, in force from 26 Feb 2026)