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$44,522
−HK$2,792/mo
▼ 0.25% · 3.875%
HK$45,907
−HK$1,407/mo
Today · 4.125%
HK$47,314
baseline
▲ 0.50% · 4.625%
HK$50,192
+HK$2,878/mo
Deposit HK$9.76M · loan HK$9.76M · min. income ≈ HK$94,628/mo (50% DSR)
Upfront cash ≈ HK$10.49M (deposit + AVD stamp duty HK$732,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,530
−HK$2,676/mo
▼ 0.25% · 3.875%
HK$50,858
−HK$1,348/mo
Today · 4.125%
HK$52,206
baseline
▲ 0.50% · 4.625%
HK$54,958
+HK$2,752/mo
Deposit HK$9.76M · loan HK$9.76M · min. income ≈ HK$104,412/mo (50% DSR)
Upfront cash ≈ HK$10.49M (deposit + AVD stamp duty HK$732,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,426
−HK$3,350/mo
▼ 0.25% · 3.875%
HK$55,088
−HK$1,688/mo
Today · 4.125%
HK$56,776
baseline
▲ 0.50% · 4.625%
HK$60,231
+HK$3,455/mo
Deposit HK$7.81M · loan HK$11.71M · min. income ≈ HK$113,552/mo (50% DSR)
Upfront cash ≈ HK$8.54M (deposit + AVD stamp duty HK$732,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,436
−HK$3,211/mo
▼ 0.25% · 3.875%
HK$61,030
−HK$1,617/mo
Today · 4.125%
HK$62,647
baseline
▲ 0.50% · 4.625%
HK$65,949
+HK$3,302/mo
Deposit HK$7.81M · loan HK$11.71M · min. income ≈ HK$125,294/mo (50% DSR)
Upfront cash ≈ HK$8.54M (deposit + AVD stamp duty HK$732,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,330
−HK$3,909/mo
▼ 0.25% · 3.875%
HK$64,269
−HK$1,970/mo
Today · 4.125%
HK$66,239
baseline
▲ 0.50% · 4.625%
HK$70,269
+HK$4,030/mo
Deposit HK$5.86M · loan HK$13.67M · min. income ≈ HK$132,478/mo (50% DSR)
Upfront cash ≈ HK$6.59M (deposit + AVD stamp duty HK$732,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,342
−HK$3,746/mo
▼ 0.25% · 3.875%
HK$71,202
−HK$1,886/mo
Today · 4.125%
HK$73,088
baseline
▲ 0.50% · 4.625%
HK$76,941
+HK$3,853/mo
Deposit HK$5.86M · loan HK$13.67M · min. income ≈ HK$146,176/mo (50% DSR)
Upfront cash ≈ HK$6.59M (deposit + AVD stamp duty HK$732,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,139
−HK$5,025/mo
▼ 0.25% · 3.875%
HK$82,632
−HK$2,532/mo
Today · 4.125%
HK$85,164
baseline
▲ 0.50% · 4.625%
HK$90,346
+HK$5,182/mo
Deposit HK$1.95M · loan HK$17.57M · min. income ≈ HK$170,328/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$732,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,154
−HK$4,816/mo
▼ 0.25% · 3.875%
HK$91,545
−HK$2,425/mo
Today · 4.125%
HK$93,970
baseline
▲ 0.50% · 4.625%
HK$98,924
+HK$4,954/mo
Deposit HK$1.95M · loan HK$17.57M · min. income ≈ HK$187,940/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$732,182 · Scale 2, in force from 26 Feb 2026)