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$44,763
−HK$2,807/mo
▼ 0.25% · 3.875%
HK$46,155
−HK$1,415/mo
Today · 4.125%
HK$47,570
baseline
▲ 0.50% · 4.625%
HK$50,465
+HK$2,895/mo
Deposit HK$9.82M · loan HK$9.82M · min. income ≈ HK$95,140/mo (50% DSR)
Upfront cash ≈ HK$10.55M (deposit + AVD stamp duty HK$736,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,798
−HK$2,691/mo
▼ 0.25% · 3.875%
HK$51,134
−HK$1,355/mo
Today · 4.125%
HK$52,489
baseline
▲ 0.50% · 4.625%
HK$55,256
+HK$2,767/mo
Deposit HK$9.82M · loan HK$9.82M · min. income ≈ HK$104,978/mo (50% DSR)
Upfront cash ≈ HK$10.55M (deposit + AVD stamp duty HK$736,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,716
−HK$3,368/mo
▼ 0.25% · 3.875%
HK$55,386
−HK$1,698/mo
Today · 4.125%
HK$57,084
baseline
▲ 0.50% · 4.625%
HK$60,557
+HK$3,473/mo
Deposit HK$7.85M · loan HK$11.78M · min. income ≈ HK$114,168/mo (50% DSR)
Upfront cash ≈ HK$8.59M (deposit + AVD stamp duty HK$736,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,758
−HK$3,229/mo
▼ 0.25% · 3.875%
HK$61,361
−HK$1,626/mo
Today · 4.125%
HK$62,987
baseline
▲ 0.50% · 4.625%
HK$66,307
+HK$3,320/mo
Deposit HK$7.85M · loan HK$11.78M · min. income ≈ HK$125,974/mo (50% DSR)
Upfront cash ≈ HK$8.59M (deposit + AVD stamp duty HK$736,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,668
−HK$3,930/mo
▼ 0.25% · 3.875%
HK$64,618
−HK$1,980/mo
Today · 4.125%
HK$66,598
baseline
▲ 0.50% · 4.625%
HK$70,650
+HK$4,052/mo
Deposit HK$5.89M · loan HK$13.74M · min. income ≈ HK$133,196/mo (50% DSR)
Upfront cash ≈ HK$6.63M (deposit + AVD stamp duty HK$736,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,718
−HK$3,766/mo
▼ 0.25% · 3.875%
HK$71,588
−HK$1,896/mo
Today · 4.125%
HK$73,484
baseline
▲ 0.50% · 4.625%
HK$77,358
+HK$3,874/mo
Deposit HK$5.89M · loan HK$13.74M · min. income ≈ HK$146,968/mo (50% DSR)
Upfront cash ≈ HK$6.63M (deposit + AVD stamp duty HK$736,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,573
−HK$5,053/mo
▼ 0.25% · 3.875%
HK$83,080
−HK$2,546/mo
Today · 4.125%
HK$85,626
baseline
▲ 0.50% · 4.625%
HK$90,836
+HK$5,210/mo
Deposit HK$1.96M · loan HK$17.67M · min. income ≈ HK$171,252/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$736,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,637
−HK$4,843/mo
▼ 0.25% · 3.875%
HK$92,041
−HK$2,439/mo
Today · 4.125%
HK$94,480
baseline
▲ 0.50% · 4.625%
HK$99,460
+HK$4,980/mo
Deposit HK$1.96M · loan HK$17.67M · min. income ≈ HK$188,960/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$736,151 · Scale 2, in force from 26 Feb 2026)