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$44,587
−HK$2,796/mo
▼ 0.25% · 3.875%
HK$45,974
−HK$1,409/mo
Today · 4.125%
HK$47,383
baseline
▲ 0.50% · 4.625%
HK$50,266
+HK$2,883/mo
Deposit HK$9.78M · loan HK$9.78M · min. income ≈ HK$94,766/mo (50% DSR)
Upfront cash ≈ HK$10.51M (deposit + AVD stamp duty HK$733,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,603
−HK$2,680/mo
▼ 0.25% · 3.875%
HK$50,933
−HK$1,350/mo
Today · 4.125%
HK$52,283
baseline
▲ 0.50% · 4.625%
HK$55,038
+HK$2,755/mo
Deposit HK$9.78M · loan HK$9.78M · min. income ≈ HK$104,566/mo (50% DSR)
Upfront cash ≈ HK$10.51M (deposit + AVD stamp duty HK$733,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,504
−HK$3,356/mo
▼ 0.25% · 3.875%
HK$55,169
−HK$1,691/mo
Today · 4.125%
HK$56,860
baseline
▲ 0.50% · 4.625%
HK$60,319
+HK$3,459/mo
Deposit HK$7.82M · loan HK$11.73M · min. income ≈ HK$113,720/mo (50% DSR)
Upfront cash ≈ HK$8.55M (deposit + AVD stamp duty HK$733,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,523
−HK$3,216/mo
▼ 0.25% · 3.875%
HK$61,120
−HK$1,619/mo
Today · 4.125%
HK$62,739
baseline
▲ 0.50% · 4.625%
HK$66,046
+HK$3,307/mo
Deposit HK$7.82M · loan HK$11.73M · min. income ≈ HK$125,478/mo (50% DSR)
Upfront cash ≈ HK$8.55M (deposit + AVD stamp duty HK$733,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,422
−HK$3,914/mo
▼ 0.25% · 3.875%
HK$64,364
−HK$1,972/mo
Today · 4.125%
HK$66,336
baseline
▲ 0.50% · 4.625%
HK$70,373
+HK$4,037/mo
Deposit HK$5.87M · loan HK$13.69M · min. income ≈ HK$132,672/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$733,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,444
−HK$3,752/mo
▼ 0.25% · 3.875%
HK$71,306
−HK$1,890/mo
Today · 4.125%
HK$73,196
baseline
▲ 0.50% · 4.625%
HK$77,054
+HK$3,858/mo
Deposit HK$5.87M · loan HK$13.69M · min. income ≈ HK$146,392/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$733,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,257
−HK$5,033/mo
▼ 0.25% · 3.875%
HK$82,753
−HK$2,537/mo
Today · 4.125%
HK$85,290
baseline
▲ 0.50% · 4.625%
HK$90,479
+HK$5,189/mo
Deposit HK$1.96M · loan HK$17.60M · min. income ≈ HK$170,580/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$733,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,285
−HK$4,824/mo
▼ 0.25% · 3.875%
HK$91,679
−HK$2,430/mo
Today · 4.125%
HK$94,109
baseline
▲ 0.50% · 4.625%
HK$99,069
+HK$4,960/mo
Deposit HK$1.96M · loan HK$17.60M · min. income ≈ HK$188,218/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$733,258 · Scale 2, in force from 26 Feb 2026)