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$44,729
−HK$2,805/mo
▼ 0.25% · 3.875%
HK$46,120
−HK$1,414/mo
Today · 4.125%
HK$47,534
baseline
▲ 0.50% · 4.625%
HK$50,426
+HK$2,892/mo
Deposit HK$9.81M · loan HK$9.81M · min. income ≈ HK$95,068/mo (50% DSR)
Upfront cash ≈ HK$10.54M (deposit + AVD stamp duty HK$735,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,760
−HK$2,689/mo
▼ 0.25% · 3.875%
HK$51,095
−HK$1,354/mo
Today · 4.125%
HK$52,449
baseline
▲ 0.50% · 4.625%
HK$55,213
+HK$2,764/mo
Deposit HK$9.81M · loan HK$9.81M · min. income ≈ HK$104,898/mo (50% DSR)
Upfront cash ≈ HK$10.54M (deposit + AVD stamp duty HK$735,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,675
−HK$3,365/mo
▼ 0.25% · 3.875%
HK$55,344
−HK$1,696/mo
Today · 4.125%
HK$57,040
baseline
▲ 0.50% · 4.625%
HK$60,511
+HK$3,471/mo
Deposit HK$7.85M · loan HK$11.77M · min. income ≈ HK$114,080/mo (50% DSR)
Upfront cash ≈ HK$8.58M (deposit + AVD stamp duty HK$735,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,712
−HK$3,227/mo
▼ 0.25% · 3.875%
HK$61,314
−HK$1,625/mo
Today · 4.125%
HK$62,939
baseline
▲ 0.50% · 4.625%
HK$66,256
+HK$3,317/mo
Deposit HK$7.85M · loan HK$11.77M · min. income ≈ HK$125,878/mo (50% DSR)
Upfront cash ≈ HK$8.58M (deposit + AVD stamp duty HK$735,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,620
−HK$3,927/mo
▼ 0.25% · 3.875%
HK$64,568
−HK$1,979/mo
Today · 4.125%
HK$66,547
baseline
▲ 0.50% · 4.625%
HK$70,596
+HK$4,049/mo
Deposit HK$5.88M · loan HK$13.73M · min. income ≈ HK$133,094/mo (50% DSR)
Upfront cash ≈ HK$6.62M (deposit + AVD stamp duty HK$735,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,665
−HK$3,763/mo
▼ 0.25% · 3.875%
HK$71,533
−HK$1,895/mo
Today · 4.125%
HK$73,428
baseline
▲ 0.50% · 4.625%
HK$77,299
+HK$3,871/mo
Deposit HK$5.88M · loan HK$13.73M · min. income ≈ HK$146,856/mo (50% DSR)
Upfront cash ≈ HK$6.62M (deposit + AVD stamp duty HK$735,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,512
−HK$5,049/mo
▼ 0.25% · 3.875%
HK$83,016
−HK$2,545/mo
Today · 4.125%
HK$85,561
baseline
▲ 0.50% · 4.625%
HK$90,767
+HK$5,206/mo
Deposit HK$1.96M · loan HK$17.65M · min. income ≈ HK$171,122/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$735,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,569
−HK$4,839/mo
▼ 0.25% · 3.875%
HK$91,971
−HK$2,437/mo
Today · 4.125%
HK$94,408
baseline
▲ 0.50% · 4.625%
HK$99,384
+HK$4,976/mo
Deposit HK$1.96M · loan HK$17.65M · min. income ≈ HK$188,816/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$735,589 · Scale 2, in force from 26 Feb 2026)