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$44,419
−HK$2,785/mo
▼ 0.25% · 3.875%
HK$45,800
−HK$1,404/mo
Today · 4.125%
HK$47,204
baseline
▲ 0.50% · 4.625%
HK$50,076
+HK$2,872/mo
Deposit HK$9.74M · loan HK$9.74M · min. income ≈ HK$94,408/mo (50% DSR)
Upfront cash ≈ HK$10.47M (deposit + AVD stamp duty HK$730,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,415
−HK$2,670/mo
▼ 0.25% · 3.875%
HK$50,741
−HK$1,344/mo
Today · 4.125%
HK$52,085
baseline
▲ 0.50% · 4.625%
HK$54,831
+HK$2,746/mo
Deposit HK$9.74M · loan HK$9.74M · min. income ≈ HK$104,170/mo (50% DSR)
Upfront cash ≈ HK$10.47M (deposit + AVD stamp duty HK$730,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,302
−HK$3,343/mo
▼ 0.25% · 3.875%
HK$54,960
−HK$1,685/mo
Today · 4.125%
HK$56,645
baseline
▲ 0.50% · 4.625%
HK$60,092
+HK$3,447/mo
Deposit HK$7.79M · loan HK$11.69M · min. income ≈ HK$113,290/mo (50% DSR)
Upfront cash ≈ HK$8.52M (deposit + AVD stamp duty HK$730,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,298
−HK$3,204/mo
▼ 0.25% · 3.875%
HK$60,889
−HK$1,613/mo
Today · 4.125%
HK$62,502
baseline
▲ 0.50% · 4.625%
HK$65,797
+HK$3,295/mo
Deposit HK$7.79M · loan HK$11.69M · min. income ≈ HK$125,004/mo (50% DSR)
Upfront cash ≈ HK$8.52M (deposit + AVD stamp duty HK$730,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,186
−HK$3,900/mo
▼ 0.25% · 3.875%
HK$64,120
−HK$1,966/mo
Today · 4.125%
HK$66,086
baseline
▲ 0.50% · 4.625%
HK$70,107
+HK$4,021/mo
Deposit HK$5.84M · loan HK$13.64M · min. income ≈ HK$132,172/mo (50% DSR)
Upfront cash ≈ HK$6.57M (deposit + AVD stamp duty HK$730,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,181
−HK$3,738/mo
▼ 0.25% · 3.875%
HK$71,037
−HK$1,882/mo
Today · 4.125%
HK$72,919
baseline
▲ 0.50% · 4.625%
HK$76,763
+HK$3,844/mo
Deposit HK$5.84M · loan HK$13.64M · min. income ≈ HK$145,838/mo (50% DSR)
Upfront cash ≈ HK$6.57M (deposit + AVD stamp duty HK$730,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,954
−HK$5,013/mo
▼ 0.25% · 3.875%
HK$82,441
−HK$2,526/mo
Today · 4.125%
HK$84,967
baseline
▲ 0.50% · 4.625%
HK$90,137
+HK$5,170/mo
Deposit HK$1.95M · loan HK$17.53M · min. income ≈ HK$169,934/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$730,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,948
−HK$4,805/mo
▼ 0.25% · 3.875%
HK$91,333
−HK$2,420/mo
Today · 4.125%
HK$93,753
baseline
▲ 0.50% · 4.625%
HK$98,695
+HK$4,942/mo
Deposit HK$1.95M · loan HK$17.53M · min. income ≈ HK$187,506/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$730,488 · Scale 2, in force from 26 Feb 2026)