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$44,745
−HK$2,806/mo
▼ 0.25% · 3.875%
HK$46,137
−HK$1,414/mo
Today · 4.125%
HK$47,551
baseline
▲ 0.50% · 4.625%
HK$50,445
+HK$2,894/mo
Deposit HK$9.81M · loan HK$9.81M · min. income ≈ HK$95,102/mo (50% DSR)
Upfront cash ≈ HK$10.55M (deposit + AVD stamp duty HK$735,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,779
−HK$2,689/mo
▼ 0.25% · 3.875%
HK$51,114
−HK$1,354/mo
Today · 4.125%
HK$52,468
baseline
▲ 0.50% · 4.625%
HK$55,234
+HK$2,766/mo
Deposit HK$9.81M · loan HK$9.81M · min. income ≈ HK$104,936/mo (50% DSR)
Upfront cash ≈ HK$10.55M (deposit + AVD stamp duty HK$735,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,695
−HK$3,367/mo
▼ 0.25% · 3.875%
HK$55,365
−HK$1,697/mo
Today · 4.125%
HK$57,062
baseline
▲ 0.50% · 4.625%
HK$60,534
+HK$3,472/mo
Deposit HK$7.85M · loan HK$11.77M · min. income ≈ HK$114,124/mo (50% DSR)
Upfront cash ≈ HK$8.59M (deposit + AVD stamp duty HK$735,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,735
−HK$3,227/mo
▼ 0.25% · 3.875%
HK$61,337
−HK$1,625/mo
Today · 4.125%
HK$62,962
baseline
▲ 0.50% · 4.625%
HK$66,281
+HK$3,319/mo
Deposit HK$7.85M · loan HK$11.77M · min. income ≈ HK$125,924/mo (50% DSR)
Upfront cash ≈ HK$8.59M (deposit + AVD stamp duty HK$735,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,644
−HK$3,928/mo
▼ 0.25% · 3.875%
HK$64,592
−HK$1,980/mo
Today · 4.125%
HK$66,572
baseline
▲ 0.50% · 4.625%
HK$70,623
+HK$4,051/mo
Deposit HK$5.89M · loan HK$13.74M · min. income ≈ HK$133,144/mo (50% DSR)
Upfront cash ≈ HK$6.62M (deposit + AVD stamp duty HK$735,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,690
−HK$3,766/mo
▼ 0.25% · 3.875%
HK$71,559
−HK$1,897/mo
Today · 4.125%
HK$73,456
baseline
▲ 0.50% · 4.625%
HK$77,328
+HK$3,872/mo
Deposit HK$5.89M · loan HK$13.74M · min. income ≈ HK$146,912/mo (50% DSR)
Upfront cash ≈ HK$6.62M (deposit + AVD stamp duty HK$735,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,542
−HK$5,051/mo
▼ 0.25% · 3.875%
HK$83,047
−HK$2,546/mo
Today · 4.125%
HK$85,593
baseline
▲ 0.50% · 4.625%
HK$90,801
+HK$5,208/mo
Deposit HK$1.96M · loan HK$17.66M · min. income ≈ HK$171,186/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$735,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,602
−HK$4,841/mo
▼ 0.25% · 3.875%
HK$92,005
−HK$2,438/mo
Today · 4.125%
HK$94,443
baseline
▲ 0.50% · 4.625%
HK$99,421
+HK$4,978/mo
Deposit HK$1.96M · loan HK$17.66M · min. income ≈ HK$188,886/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$735,863 · Scale 2, in force from 26 Feb 2026)