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$44,805
−HK$2,810/mo
▼ 0.25% · 3.875%
HK$46,199
−HK$1,416/mo
Today · 4.125%
HK$47,615
baseline
▲ 0.50% · 4.625%
HK$50,512
+HK$2,897/mo
Deposit HK$9.82M · loan HK$9.82M · min. income ≈ HK$95,230/mo (50% DSR)
Upfront cash ≈ HK$10.56M (deposit + AVD stamp duty HK$736,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,845
−HK$2,693/mo
▼ 0.25% · 3.875%
HK$51,182
−HK$1,356/mo
Today · 4.125%
HK$52,538
baseline
▲ 0.50% · 4.625%
HK$55,308
+HK$2,770/mo
Deposit HK$9.82M · loan HK$9.82M · min. income ≈ HK$105,076/mo (50% DSR)
Upfront cash ≈ HK$10.56M (deposit + AVD stamp duty HK$736,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,766
−HK$3,372/mo
▼ 0.25% · 3.875%
HK$55,439
−HK$1,699/mo
Today · 4.125%
HK$57,138
baseline
▲ 0.50% · 4.625%
HK$60,614
+HK$3,476/mo
Deposit HK$7.86M · loan HK$11.79M · min. income ≈ HK$114,276/mo (50% DSR)
Upfront cash ≈ HK$8.60M (deposit + AVD stamp duty HK$736,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,814
−HK$3,232/mo
▼ 0.25% · 3.875%
HK$61,418
−HK$1,628/mo
Today · 4.125%
HK$63,046
baseline
▲ 0.50% · 4.625%
HK$66,369
+HK$3,323/mo
Deposit HK$7.86M · loan HK$11.79M · min. income ≈ HK$126,092/mo (50% DSR)
Upfront cash ≈ HK$8.60M (deposit + AVD stamp duty HK$736,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,727
−HK$3,934/mo
▼ 0.25% · 3.875%
HK$64,678
−HK$1,983/mo
Today · 4.125%
HK$66,661
baseline
▲ 0.50% · 4.625%
HK$70,717
+HK$4,056/mo
Deposit HK$5.89M · loan HK$13.75M · min. income ≈ HK$133,322/mo (50% DSR)
Upfront cash ≈ HK$6.63M (deposit + AVD stamp duty HK$736,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,783
−HK$3,771/mo
▼ 0.25% · 3.875%
HK$71,655
−HK$1,899/mo
Today · 4.125%
HK$73,554
baseline
▲ 0.50% · 4.625%
HK$77,431
+HK$3,877/mo
Deposit HK$5.89M · loan HK$13.75M · min. income ≈ HK$147,108/mo (50% DSR)
Upfront cash ≈ HK$6.63M (deposit + AVD stamp duty HK$736,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,649
−HK$5,058/mo
▼ 0.25% · 3.875%
HK$83,158
−HK$2,549/mo
Today · 4.125%
HK$85,707
baseline
▲ 0.50% · 4.625%
HK$90,922
+HK$5,215/mo
Deposit HK$1.96M · loan HK$17.68M · min. income ≈ HK$171,414/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$736,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,721
−HK$4,848/mo
▼ 0.25% · 3.875%
HK$92,128
−HK$2,441/mo
Today · 4.125%
HK$94,569
baseline
▲ 0.50% · 4.625%
HK$99,554
+HK$4,985/mo
Deposit HK$1.96M · loan HK$17.68M · min. income ≈ HK$189,138/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$736,844 · Scale 2, in force from 26 Feb 2026)