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$44,357
−HK$2,781/mo
▼ 0.25% · 3.875%
HK$45,736
−HK$1,402/mo
Today · 4.125%
HK$47,138
baseline
▲ 0.50% · 4.625%
HK$50,006
+HK$2,868/mo
Deposit HK$9.73M · loan HK$9.73M · min. income ≈ HK$94,276/mo (50% DSR)
Upfront cash ≈ HK$10.46M (deposit + AVD stamp duty HK$729,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,346
−HK$2,666/mo
▼ 0.25% · 3.875%
HK$50,670
−HK$1,342/mo
Today · 4.125%
HK$52,012
baseline
▲ 0.50% · 4.625%
HK$54,754
+HK$2,742/mo
Deposit HK$9.73M · loan HK$9.73M · min. income ≈ HK$104,024/mo (50% DSR)
Upfront cash ≈ HK$10.46M (deposit + AVD stamp duty HK$729,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,228
−HK$3,338/mo
▼ 0.25% · 3.875%
HK$54,884
−HK$1,682/mo
Today · 4.125%
HK$56,566
baseline
▲ 0.50% · 4.625%
HK$60,008
+HK$3,442/mo
Deposit HK$7.78M · loan HK$11.67M · min. income ≈ HK$113,132/mo (50% DSR)
Upfront cash ≈ HK$8.51M (deposit + AVD stamp duty HK$729,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,215
−HK$3,200/mo
▼ 0.25% · 3.875%
HK$60,804
−HK$1,611/mo
Today · 4.125%
HK$62,415
baseline
▲ 0.50% · 4.625%
HK$65,705
+HK$3,290/mo
Deposit HK$7.78M · loan HK$11.67M · min. income ≈ HK$124,830/mo (50% DSR)
Upfront cash ≈ HK$8.51M (deposit + AVD stamp duty HK$729,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,099
−HK$3,894/mo
▼ 0.25% · 3.875%
HK$64,031
−HK$1,962/mo
Today · 4.125%
HK$65,993
baseline
▲ 0.50% · 4.625%
HK$70,009
+HK$4,016/mo
Deposit HK$5.84M · loan HK$13.62M · min. income ≈ HK$131,986/mo (50% DSR)
Upfront cash ≈ HK$6.57M (deposit + AVD stamp duty HK$729,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,085
−HK$3,732/mo
▼ 0.25% · 3.875%
HK$70,938
−HK$1,879/mo
Today · 4.125%
HK$72,817
baseline
▲ 0.50% · 4.625%
HK$76,655
+HK$3,838/mo
Deposit HK$5.84M · loan HK$13.62M · min. income ≈ HK$145,634/mo (50% DSR)
Upfront cash ≈ HK$6.57M (deposit + AVD stamp duty HK$729,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,842
−HK$5,007/mo
▼ 0.25% · 3.875%
HK$82,325
−HK$2,524/mo
Today · 4.125%
HK$84,849
baseline
▲ 0.50% · 4.625%
HK$90,011
+HK$5,162/mo
Deposit HK$1.95M · loan HK$17.51M · min. income ≈ HK$169,698/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$729,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,823
−HK$4,799/mo
▼ 0.25% · 3.875%
HK$91,205
−HK$2,417/mo
Today · 4.125%
HK$93,622
baseline
▲ 0.50% · 4.625%
HK$98,557
+HK$4,935/mo
Deposit HK$1.95M · loan HK$17.51M · min. income ≈ HK$187,244/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$729,467 · Scale 2, in force from 26 Feb 2026)