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$44,428
−HK$2,786/mo
▼ 0.25% · 3.875%
HK$45,810
−HK$1,404/mo
Today · 4.125%
HK$47,214
baseline
▲ 0.50% · 4.625%
HK$50,087
+HK$2,873/mo
Deposit HK$9.74M · loan HK$9.74M · min. income ≈ HK$94,428/mo (50% DSR)
Upfront cash ≈ HK$10.47M (deposit + AVD stamp duty HK$730,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,425
−HK$2,671/mo
▼ 0.25% · 3.875%
HK$50,751
−HK$1,345/mo
Today · 4.125%
HK$52,096
baseline
▲ 0.50% · 4.625%
HK$54,842
+HK$2,746/mo
Deposit HK$9.74M · loan HK$9.74M · min. income ≈ HK$104,192/mo (50% DSR)
Upfront cash ≈ HK$10.47M (deposit + AVD stamp duty HK$730,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,313
−HK$3,343/mo
▼ 0.25% · 3.875%
HK$54,972
−HK$1,684/mo
Today · 4.125%
HK$56,656
baseline
▲ 0.50% · 4.625%
HK$60,104
+HK$3,448/mo
Deposit HK$7.79M · loan HK$11.69M · min. income ≈ HK$113,312/mo (50% DSR)
Upfront cash ≈ HK$8.52M (deposit + AVD stamp duty HK$730,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,310
−HK$3,205/mo
▼ 0.25% · 3.875%
HK$60,901
−HK$1,614/mo
Today · 4.125%
HK$62,515
baseline
▲ 0.50% · 4.625%
HK$65,810
+HK$3,295/mo
Deposit HK$7.79M · loan HK$11.69M · min. income ≈ HK$125,030/mo (50% DSR)
Upfront cash ≈ HK$8.52M (deposit + AVD stamp duty HK$730,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,199
−HK$3,900/mo
▼ 0.25% · 3.875%
HK$64,134
−HK$1,965/mo
Today · 4.125%
HK$66,099
baseline
▲ 0.50% · 4.625%
HK$70,121
+HK$4,022/mo
Deposit HK$5.85M · loan HK$13.64M · min. income ≈ HK$132,198/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$730,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,196
−HK$3,738/mo
▼ 0.25% · 3.875%
HK$71,051
−HK$1,883/mo
Today · 4.125%
HK$72,934
baseline
▲ 0.50% · 4.625%
HK$76,778
+HK$3,844/mo
Deposit HK$5.85M · loan HK$13.64M · min. income ≈ HK$145,868/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$730,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,970
−HK$5,015/mo
▼ 0.25% · 3.875%
HK$82,457
−HK$2,528/mo
Today · 4.125%
HK$84,985
baseline
▲ 0.50% · 4.625%
HK$90,156
+HK$5,171/mo
Deposit HK$1.95M · loan HK$17.54M · min. income ≈ HK$169,970/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$730,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,966
−HK$4,806/mo
▼ 0.25% · 3.875%
HK$91,352
−HK$2,420/mo
Today · 4.125%
HK$93,772
baseline
▲ 0.50% · 4.625%
HK$98,715
+HK$4,943/mo
Deposit HK$1.95M · loan HK$17.54M · min. income ≈ HK$187,544/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$730,637 · Scale 2, in force from 26 Feb 2026)