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$44,429
−HK$2,786/mo
▼ 0.25% · 3.875%
HK$45,811
−HK$1,404/mo
Today · 4.125%
HK$47,215
baseline
▲ 0.50% · 4.625%
HK$50,088
+HK$2,873/mo
Deposit HK$9.74M · loan HK$9.74M · min. income ≈ HK$94,430/mo (50% DSR)
Upfront cash ≈ HK$10.47M (deposit + AVD stamp duty HK$730,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,427
−HK$2,670/mo
▼ 0.25% · 3.875%
HK$50,752
−HK$1,345/mo
Today · 4.125%
HK$52,097
baseline
▲ 0.50% · 4.625%
HK$54,843
+HK$2,746/mo
Deposit HK$9.74M · loan HK$9.74M · min. income ≈ HK$104,194/mo (50% DSR)
Upfront cash ≈ HK$10.47M (deposit + AVD stamp duty HK$730,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,315
−HK$3,343/mo
▼ 0.25% · 3.875%
HK$54,973
−HK$1,685/mo
Today · 4.125%
HK$56,658
baseline
▲ 0.50% · 4.625%
HK$60,106
+HK$3,448/mo
Deposit HK$7.79M · loan HK$11.69M · min. income ≈ HK$113,316/mo (50% DSR)
Upfront cash ≈ HK$8.52M (deposit + AVD stamp duty HK$730,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,312
−HK$3,205/mo
▼ 0.25% · 3.875%
HK$60,903
−HK$1,614/mo
Today · 4.125%
HK$62,517
baseline
▲ 0.50% · 4.625%
HK$65,812
+HK$3,295/mo
Deposit HK$7.79M · loan HK$11.69M · min. income ≈ HK$125,034/mo (50% DSR)
Upfront cash ≈ HK$8.52M (deposit + AVD stamp duty HK$730,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,201
−HK$3,900/mo
▼ 0.25% · 3.875%
HK$64,135
−HK$1,966/mo
Today · 4.125%
HK$66,101
baseline
▲ 0.50% · 4.625%
HK$70,123
+HK$4,022/mo
Deposit HK$5.85M · loan HK$13.64M · min. income ≈ HK$132,202/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$730,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,197
−HK$3,739/mo
▼ 0.25% · 3.875%
HK$71,053
−HK$1,883/mo
Today · 4.125%
HK$72,936
baseline
▲ 0.50% · 4.625%
HK$76,781
+HK$3,845/mo
Deposit HK$5.85M · loan HK$13.64M · min. income ≈ HK$145,872/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$730,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,972
−HK$5,015/mo
▼ 0.25% · 3.875%
HK$82,460
−HK$2,527/mo
Today · 4.125%
HK$84,987
baseline
▲ 0.50% · 4.625%
HK$90,158
+HK$5,171/mo
Deposit HK$1.95M · loan HK$17.54M · min. income ≈ HK$169,974/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$730,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,968
−HK$4,807/mo
▼ 0.25% · 3.875%
HK$91,354
−HK$2,421/mo
Today · 4.125%
HK$93,775
baseline
▲ 0.50% · 4.625%
HK$98,718
+HK$4,943/mo
Deposit HK$1.95M · loan HK$17.54M · min. income ≈ HK$187,550/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$730,658 · Scale 2, in force from 26 Feb 2026)