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$44,599
−HK$2,797/mo
▼ 0.25% · 3.875%
HK$45,986
−HK$1,410/mo
Today · 4.125%
HK$47,396
baseline
▲ 0.50% · 4.625%
HK$50,279
+HK$2,883/mo
Deposit HK$9.78M · loan HK$9.78M · min. income ≈ HK$94,792/mo (50% DSR)
Upfront cash ≈ HK$10.51M (deposit + AVD stamp duty HK$733,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,616
−HK$2,680/mo
▼ 0.25% · 3.875%
HK$50,946
−HK$1,350/mo
Today · 4.125%
HK$52,296
baseline
▲ 0.50% · 4.625%
HK$55,053
+HK$2,757/mo
Deposit HK$9.78M · loan HK$9.78M · min. income ≈ HK$104,592/mo (50% DSR)
Upfront cash ≈ HK$10.51M (deposit + AVD stamp duty HK$733,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,519
−HK$3,356/mo
▼ 0.25% · 3.875%
HK$55,183
−HK$1,692/mo
Today · 4.125%
HK$56,875
baseline
▲ 0.50% · 4.625%
HK$60,335
+HK$3,460/mo
Deposit HK$7.82M · loan HK$11.74M · min. income ≈ HK$113,750/mo (50% DSR)
Upfront cash ≈ HK$8.56M (deposit + AVD stamp duty HK$733,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,539
−HK$3,217/mo
▼ 0.25% · 3.875%
HK$61,136
−HK$1,620/mo
Today · 4.125%
HK$62,756
baseline
▲ 0.50% · 4.625%
HK$66,064
+HK$3,308/mo
Deposit HK$7.82M · loan HK$11.74M · min. income ≈ HK$125,512/mo (50% DSR)
Upfront cash ≈ HK$8.56M (deposit + AVD stamp duty HK$733,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,438
−HK$3,916/mo
▼ 0.25% · 3.875%
HK$64,381
−HK$1,973/mo
Today · 4.125%
HK$66,354
baseline
▲ 0.50% · 4.625%
HK$70,391
+HK$4,037/mo
Deposit HK$5.87M · loan HK$13.69M · min. income ≈ HK$132,708/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$733,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,462
−HK$3,753/mo
▼ 0.25% · 3.875%
HK$71,325
−HK$1,890/mo
Today · 4.125%
HK$73,215
baseline
▲ 0.50% · 4.625%
HK$77,074
+HK$3,859/mo
Deposit HK$5.87M · loan HK$13.69M · min. income ≈ HK$146,430/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$733,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,278
−HK$5,034/mo
▼ 0.25% · 3.875%
HK$82,775
−HK$2,537/mo
Today · 4.125%
HK$85,312
baseline
▲ 0.50% · 4.625%
HK$90,503
+HK$5,191/mo
Deposit HK$1.96M · loan HK$17.60M · min. income ≈ HK$170,624/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$733,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,308
−HK$4,825/mo
▼ 0.25% · 3.875%
HK$91,704
−HK$2,429/mo
Today · 4.125%
HK$94,133
baseline
▲ 0.50% · 4.625%
HK$99,095
+HK$4,962/mo
Deposit HK$1.96M · loan HK$17.60M · min. income ≈ HK$188,266/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$733,452 · Scale 2, in force from 26 Feb 2026)