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$44,591
−HK$2,797/mo
▼ 0.25% · 3.875%
HK$45,978
−HK$1,410/mo
Today · 4.125%
HK$47,388
baseline
▲ 0.50% · 4.625%
HK$50,271
+HK$2,883/mo
Deposit HK$9.78M · loan HK$9.78M · min. income ≈ HK$94,776/mo (50% DSR)
Upfront cash ≈ HK$10.51M (deposit + AVD stamp duty HK$733,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,607
−HK$2,681/mo
▼ 0.25% · 3.875%
HK$50,938
−HK$1,350/mo
Today · 4.125%
HK$52,288
baseline
▲ 0.50% · 4.625%
HK$55,044
+HK$2,756/mo
Deposit HK$9.78M · loan HK$9.78M · min. income ≈ HK$104,576/mo (50% DSR)
Upfront cash ≈ HK$10.51M (deposit + AVD stamp duty HK$733,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,510
−HK$3,355/mo
▼ 0.25% · 3.875%
HK$55,174
−HK$1,691/mo
Today · 4.125%
HK$56,865
baseline
▲ 0.50% · 4.625%
HK$60,325
+HK$3,460/mo
Deposit HK$7.82M · loan HK$11.73M · min. income ≈ HK$113,730/mo (50% DSR)
Upfront cash ≈ HK$8.56M (deposit + AVD stamp duty HK$733,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,529
−HK$3,216/mo
▼ 0.25% · 3.875%
HK$61,125
−HK$1,620/mo
Today · 4.125%
HK$62,745
baseline
▲ 0.50% · 4.625%
HK$66,052
+HK$3,307/mo
Deposit HK$7.82M · loan HK$11.73M · min. income ≈ HK$125,490/mo (50% DSR)
Upfront cash ≈ HK$8.56M (deposit + AVD stamp duty HK$733,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,428
−HK$3,915/mo
▼ 0.25% · 3.875%
HK$64,370
−HK$1,973/mo
Today · 4.125%
HK$66,343
baseline
▲ 0.50% · 4.625%
HK$70,379
+HK$4,036/mo
Deposit HK$5.87M · loan HK$13.69M · min. income ≈ HK$132,686/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$733,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,450
−HK$3,753/mo
▼ 0.25% · 3.875%
HK$71,313
−HK$1,890/mo
Today · 4.125%
HK$73,203
baseline
▲ 0.50% · 4.625%
HK$77,061
+HK$3,858/mo
Deposit HK$5.87M · loan HK$13.69M · min. income ≈ HK$146,406/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$733,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,264
−HK$5,034/mo
▼ 0.25% · 3.875%
HK$82,761
−HK$2,537/mo
Today · 4.125%
HK$85,298
baseline
▲ 0.50% · 4.625%
HK$90,488
+HK$5,190/mo
Deposit HK$1.96M · loan HK$17.60M · min. income ≈ HK$170,596/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$733,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,293
−HK$4,825/mo
▼ 0.25% · 3.875%
HK$91,688
−HK$2,430/mo
Today · 4.125%
HK$94,118
baseline
▲ 0.50% · 4.625%
HK$99,079
+HK$4,961/mo
Deposit HK$1.96M · loan HK$17.60M · min. income ≈ HK$188,236/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$733,328 · Scale 2, in force from 26 Feb 2026)