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$44,424
−HK$2,785/mo
▼ 0.25% · 3.875%
HK$45,805
−HK$1,404/mo
Today · 4.125%
HK$47,209
baseline
▲ 0.50% · 4.625%
HK$50,082
+HK$2,873/mo
Deposit HK$9.74M · loan HK$9.74M · min. income ≈ HK$94,418/mo (50% DSR)
Upfront cash ≈ HK$10.47M (deposit + AVD stamp duty HK$730,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,421
−HK$2,670/mo
▼ 0.25% · 3.875%
HK$50,746
−HK$1,345/mo
Today · 4.125%
HK$52,091
baseline
▲ 0.50% · 4.625%
HK$54,837
+HK$2,746/mo
Deposit HK$9.74M · loan HK$9.74M · min. income ≈ HK$104,182/mo (50% DSR)
Upfront cash ≈ HK$10.47M (deposit + AVD stamp duty HK$730,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,308
−HK$3,343/mo
▼ 0.25% · 3.875%
HK$54,967
−HK$1,684/mo
Today · 4.125%
HK$56,651
baseline
▲ 0.50% · 4.625%
HK$60,098
+HK$3,447/mo
Deposit HK$7.79M · loan HK$11.69M · min. income ≈ HK$113,302/mo (50% DSR)
Upfront cash ≈ HK$8.52M (deposit + AVD stamp duty HK$730,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,305
−HK$3,204/mo
▼ 0.25% · 3.875%
HK$60,896
−HK$1,613/mo
Today · 4.125%
HK$62,509
baseline
▲ 0.50% · 4.625%
HK$65,804
+HK$3,295/mo
Deposit HK$7.79M · loan HK$11.69M · min. income ≈ HK$125,018/mo (50% DSR)
Upfront cash ≈ HK$8.52M (deposit + AVD stamp duty HK$730,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,193
−HK$3,900/mo
▼ 0.25% · 3.875%
HK$64,128
−HK$1,965/mo
Today · 4.125%
HK$66,093
baseline
▲ 0.50% · 4.625%
HK$70,115
+HK$4,022/mo
Deposit HK$5.84M · loan HK$13.64M · min. income ≈ HK$132,186/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$730,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,189
−HK$3,738/mo
▼ 0.25% · 3.875%
HK$71,045
−HK$1,882/mo
Today · 4.125%
HK$72,927
baseline
▲ 0.50% · 4.625%
HK$76,771
+HK$3,844/mo
Deposit HK$5.84M · loan HK$13.64M · min. income ≈ HK$145,854/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$730,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,962
−HK$5,015/mo
▼ 0.25% · 3.875%
HK$82,450
−HK$2,527/mo
Today · 4.125%
HK$84,977
baseline
▲ 0.50% · 4.625%
HK$90,147
+HK$5,170/mo
Deposit HK$1.95M · loan HK$17.53M · min. income ≈ HK$169,954/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$730,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,957
−HK$4,807/mo
▼ 0.25% · 3.875%
HK$91,343
−HK$2,421/mo
Today · 4.125%
HK$93,764
baseline
▲ 0.50% · 4.625%
HK$98,706
+HK$4,942/mo
Deposit HK$1.95M · loan HK$17.53M · min. income ≈ HK$187,528/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$730,570 · Scale 2, in force from 26 Feb 2026)