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$44,751
−HK$2,806/mo
▼ 0.25% · 3.875%
HK$46,143
−HK$1,414/mo
Today · 4.125%
HK$47,557
baseline
▲ 0.50% · 4.625%
HK$50,450
+HK$2,893/mo
Deposit HK$9.81M · loan HK$9.81M · min. income ≈ HK$95,114/mo (50% DSR)
Upfront cash ≈ HK$10.55M (deposit + AVD stamp duty HK$735,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,785
−HK$2,689/mo
▼ 0.25% · 3.875%
HK$51,120
−HK$1,354/mo
Today · 4.125%
HK$52,474
baseline
▲ 0.50% · 4.625%
HK$55,240
+HK$2,766/mo
Deposit HK$9.81M · loan HK$9.81M · min. income ≈ HK$104,948/mo (50% DSR)
Upfront cash ≈ HK$10.55M (deposit + AVD stamp duty HK$735,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,701
−HK$3,367/mo
▼ 0.25% · 3.875%
HK$55,371
−HK$1,697/mo
Today · 4.125%
HK$57,068
baseline
▲ 0.50% · 4.625%
HK$60,541
+HK$3,473/mo
Deposit HK$7.85M · loan HK$11.78M · min. income ≈ HK$114,136/mo (50% DSR)
Upfront cash ≈ HK$8.59M (deposit + AVD stamp duty HK$735,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,741
−HK$3,228/mo
▼ 0.25% · 3.875%
HK$61,344
−HK$1,625/mo
Today · 4.125%
HK$62,969
baseline
▲ 0.50% · 4.625%
HK$66,288
+HK$3,319/mo
Deposit HK$7.85M · loan HK$11.78M · min. income ≈ HK$125,938/mo (50% DSR)
Upfront cash ≈ HK$8.59M (deposit + AVD stamp duty HK$735,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,651
−HK$3,928/mo
▼ 0.25% · 3.875%
HK$64,600
−HK$1,979/mo
Today · 4.125%
HK$66,579
baseline
▲ 0.50% · 4.625%
HK$70,631
+HK$4,052/mo
Deposit HK$5.89M · loan HK$13.74M · min. income ≈ HK$133,158/mo (50% DSR)
Upfront cash ≈ HK$6.62M (deposit + AVD stamp duty HK$735,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,698
−HK$3,766/mo
▼ 0.25% · 3.875%
HK$71,568
−HK$1,896/mo
Today · 4.125%
HK$73,464
baseline
▲ 0.50% · 4.625%
HK$77,336
+HK$3,872/mo
Deposit HK$5.89M · loan HK$13.74M · min. income ≈ HK$146,928/mo (50% DSR)
Upfront cash ≈ HK$6.62M (deposit + AVD stamp duty HK$735,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,551
−HK$5,051/mo
▼ 0.25% · 3.875%
HK$83,057
−HK$2,545/mo
Today · 4.125%
HK$85,602
baseline
▲ 0.50% · 4.625%
HK$90,811
+HK$5,209/mo
Deposit HK$1.96M · loan HK$17.66M · min. income ≈ HK$171,204/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$735,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,612
−HK$4,842/mo
▼ 0.25% · 3.875%
HK$92,015
−HK$2,439/mo
Today · 4.125%
HK$94,454
baseline
▲ 0.50% · 4.625%
HK$99,432
+HK$4,978/mo
Deposit HK$1.96M · loan HK$17.66M · min. income ≈ HK$188,908/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$735,946 · Scale 2, in force from 26 Feb 2026)