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$44,578
−HK$2,796/mo
▼ 0.25% · 3.875%
HK$45,965
−HK$1,409/mo
Today · 4.125%
HK$47,374
baseline
▲ 0.50% · 4.625%
HK$50,256
+HK$2,882/mo
Deposit HK$9.77M · loan HK$9.77M · min. income ≈ HK$94,748/mo (50% DSR)
Upfront cash ≈ HK$10.51M (deposit + AVD stamp duty HK$733,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,593
−HK$2,679/mo
▼ 0.25% · 3.875%
HK$50,923
−HK$1,349/mo
Today · 4.125%
HK$52,272
baseline
▲ 0.50% · 4.625%
HK$55,027
+HK$2,755/mo
Deposit HK$9.77M · loan HK$9.77M · min. income ≈ HK$104,544/mo (50% DSR)
Upfront cash ≈ HK$10.51M (deposit + AVD stamp duty HK$733,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,494
−HK$3,354/mo
▼ 0.25% · 3.875%
HK$55,158
−HK$1,690/mo
Today · 4.125%
HK$56,848
baseline
▲ 0.50% · 4.625%
HK$60,307
+HK$3,459/mo
Deposit HK$7.82M · loan HK$11.73M · min. income ≈ HK$113,696/mo (50% DSR)
Upfront cash ≈ HK$8.55M (deposit + AVD stamp duty HK$733,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,511
−HK$3,215/mo
▼ 0.25% · 3.875%
HK$61,107
−HK$1,619/mo
Today · 4.125%
HK$62,726
baseline
▲ 0.50% · 4.625%
HK$66,033
+HK$3,307/mo
Deposit HK$7.82M · loan HK$11.73M · min. income ≈ HK$125,452/mo (50% DSR)
Upfront cash ≈ HK$8.55M (deposit + AVD stamp duty HK$733,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,409
−HK$3,914/mo
▼ 0.25% · 3.875%
HK$64,351
−HK$1,972/mo
Today · 4.125%
HK$66,323
baseline
▲ 0.50% · 4.625%
HK$70,358
+HK$4,035/mo
Deposit HK$5.86M · loan HK$13.68M · min. income ≈ HK$132,646/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$733,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,430
−HK$3,751/mo
▼ 0.25% · 3.875%
HK$71,292
−HK$1,889/mo
Today · 4.125%
HK$73,181
baseline
▲ 0.50% · 4.625%
HK$77,038
+HK$3,857/mo
Deposit HK$5.86M · loan HK$13.68M · min. income ≈ HK$146,362/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$733,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,241
−HK$5,031/mo
▼ 0.25% · 3.875%
HK$82,736
−HK$2,536/mo
Today · 4.125%
HK$85,272
baseline
▲ 0.50% · 4.625%
HK$90,461
+HK$5,189/mo
Deposit HK$1.95M · loan HK$17.59M · min. income ≈ HK$170,544/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$733,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,267
−HK$4,823/mo
▼ 0.25% · 3.875%
HK$91,661
−HK$2,429/mo
Today · 4.125%
HK$94,090
baseline
▲ 0.50% · 4.625%
HK$99,049
+HK$4,959/mo
Deposit HK$1.95M · loan HK$17.59M · min. income ≈ HK$188,180/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$733,110 · Scale 2, in force from 26 Feb 2026)