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$44,611
−HK$2,797/mo
▼ 0.25% · 3.875%
HK$45,998
−HK$1,410/mo
Today · 4.125%
HK$47,408
baseline
▲ 0.50% · 4.625%
HK$50,293
+HK$2,885/mo
Deposit HK$9.78M · loan HK$9.78M · min. income ≈ HK$94,816/mo (50% DSR)
Upfront cash ≈ HK$10.52M (deposit + AVD stamp duty HK$733,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,629
−HK$2,681/mo
▼ 0.25% · 3.875%
HK$50,960
−HK$1,350/mo
Today · 4.125%
HK$52,310
baseline
▲ 0.50% · 4.625%
HK$55,068
+HK$2,758/mo
Deposit HK$9.78M · loan HK$9.78M · min. income ≈ HK$104,620/mo (50% DSR)
Upfront cash ≈ HK$10.52M (deposit + AVD stamp duty HK$733,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,533
−HK$3,357/mo
▼ 0.25% · 3.875%
HK$55,198
−HK$1,692/mo
Today · 4.125%
HK$56,890
baseline
▲ 0.50% · 4.625%
HK$60,351
+HK$3,461/mo
Deposit HK$7.83M · loan HK$11.74M · min. income ≈ HK$113,780/mo (50% DSR)
Upfront cash ≈ HK$8.56M (deposit + AVD stamp duty HK$733,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,555
−HK$3,217/mo
▼ 0.25% · 3.875%
HK$61,152
−HK$1,620/mo
Today · 4.125%
HK$62,772
baseline
▲ 0.50% · 4.625%
HK$66,081
+HK$3,309/mo
Deposit HK$7.83M · loan HK$11.74M · min. income ≈ HK$125,544/mo (50% DSR)
Upfront cash ≈ HK$8.56M (deposit + AVD stamp duty HK$733,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,455
−HK$3,916/mo
▼ 0.25% · 3.875%
HK$64,398
−HK$1,973/mo
Today · 4.125%
HK$66,371
baseline
▲ 0.50% · 4.625%
HK$70,410
+HK$4,039/mo
Deposit HK$5.87M · loan HK$13.69M · min. income ≈ HK$132,742/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$733,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,480
−HK$3,754/mo
▼ 0.25% · 3.875%
HK$71,344
−HK$1,890/mo
Today · 4.125%
HK$73,234
baseline
▲ 0.50% · 4.625%
HK$77,095
+HK$3,861/mo
Deposit HK$5.87M · loan HK$13.69M · min. income ≈ HK$146,468/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$733,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,299
−HK$5,036/mo
▼ 0.25% · 3.875%
HK$82,797
−HK$2,538/mo
Today · 4.125%
HK$85,335
baseline
▲ 0.50% · 4.625%
HK$90,527
+HK$5,192/mo
Deposit HK$1.96M · loan HK$17.61M · min. income ≈ HK$170,670/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$733,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,332
−HK$4,826/mo
▼ 0.25% · 3.875%
HK$91,728
−HK$2,430/mo
Today · 4.125%
HK$94,158
baseline
▲ 0.50% · 4.625%
HK$99,122
+HK$4,964/mo
Deposit HK$1.96M · loan HK$17.61M · min. income ≈ HK$188,316/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$733,646 · Scale 2, in force from 26 Feb 2026)