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$44,772
−HK$2,807/mo
▼ 0.25% · 3.875%
HK$46,164
−HK$1,415/mo
Today · 4.125%
HK$47,579
baseline
▲ 0.50% · 4.625%
HK$50,474
+HK$2,895/mo
Deposit HK$9.82M · loan HK$9.82M · min. income ≈ HK$95,158/mo (50% DSR)
Upfront cash ≈ HK$10.55M (deposit + AVD stamp duty HK$736,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,808
−HK$2,691/mo
▼ 0.25% · 3.875%
HK$51,144
−HK$1,355/mo
Today · 4.125%
HK$52,499
baseline
▲ 0.50% · 4.625%
HK$55,266
+HK$2,767/mo
Deposit HK$9.82M · loan HK$9.82M · min. income ≈ HK$104,998/mo (50% DSR)
Upfront cash ≈ HK$10.55M (deposit + AVD stamp duty HK$736,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,726
−HK$3,369/mo
▼ 0.25% · 3.875%
HK$55,397
−HK$1,698/mo
Today · 4.125%
HK$57,095
baseline
▲ 0.50% · 4.625%
HK$60,569
+HK$3,474/mo
Deposit HK$7.85M · loan HK$11.78M · min. income ≈ HK$114,190/mo (50% DSR)
Upfront cash ≈ HK$8.59M (deposit + AVD stamp duty HK$736,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,770
−HK$3,229/mo
▼ 0.25% · 3.875%
HK$61,372
−HK$1,627/mo
Today · 4.125%
HK$62,999
baseline
▲ 0.50% · 4.625%
HK$66,319
+HK$3,320/mo
Deposit HK$7.85M · loan HK$11.78M · min. income ≈ HK$125,998/mo (50% DSR)
Upfront cash ≈ HK$8.59M (deposit + AVD stamp duty HK$736,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,680
−HK$3,931/mo
▼ 0.25% · 3.875%
HK$64,630
−HK$1,981/mo
Today · 4.125%
HK$66,611
baseline
▲ 0.50% · 4.625%
HK$70,664
+HK$4,053/mo
Deposit HK$5.89M · loan HK$13.74M · min. income ≈ HK$133,222/mo (50% DSR)
Upfront cash ≈ HK$6.63M (deposit + AVD stamp duty HK$736,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,731
−HK$3,767/mo
▼ 0.25% · 3.875%
HK$71,601
−HK$1,897/mo
Today · 4.125%
HK$73,498
baseline
▲ 0.50% · 4.625%
HK$77,373
+HK$3,875/mo
Deposit HK$5.89M · loan HK$13.74M · min. income ≈ HK$146,996/mo (50% DSR)
Upfront cash ≈ HK$6.63M (deposit + AVD stamp duty HK$736,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,589
−HK$5,053/mo
▼ 0.25% · 3.875%
HK$83,096
−HK$2,546/mo
Today · 4.125%
HK$85,642
baseline
▲ 0.50% · 4.625%
HK$90,854
+HK$5,212/mo
Deposit HK$1.96M · loan HK$17.67M · min. income ≈ HK$171,284/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$736,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,654
−HK$4,844/mo
▼ 0.25% · 3.875%
HK$92,059
−HK$2,439/mo
Today · 4.125%
HK$94,498
baseline
▲ 0.50% · 4.625%
HK$99,479
+HK$4,981/mo
Deposit HK$1.96M · loan HK$17.67M · min. income ≈ HK$188,996/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$736,292 · Scale 2, in force from 26 Feb 2026)