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$44,647
−HK$2,799/mo
▼ 0.25% · 3.875%
HK$46,035
−HK$1,411/mo
Today · 4.125%
HK$47,446
baseline
▲ 0.50% · 4.625%
HK$50,333
+HK$2,887/mo
Deposit HK$9.79M · loan HK$9.79M · min. income ≈ HK$94,892/mo (50% DSR)
Upfront cash ≈ HK$10.52M (deposit + AVD stamp duty HK$734,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,669
−HK$2,683/mo
▼ 0.25% · 3.875%
HK$51,001
−HK$1,351/mo
Today · 4.125%
HK$52,352
baseline
▲ 0.50% · 4.625%
HK$55,112
+HK$2,760/mo
Deposit HK$9.79M · loan HK$9.79M · min. income ≈ HK$104,704/mo (50% DSR)
Upfront cash ≈ HK$10.52M (deposit + AVD stamp duty HK$734,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,576
−HK$3,360/mo
▼ 0.25% · 3.875%
HK$55,243
−HK$1,693/mo
Today · 4.125%
HK$56,936
baseline
▲ 0.50% · 4.625%
HK$60,400
+HK$3,464/mo
Deposit HK$7.83M · loan HK$11.75M · min. income ≈ HK$113,872/mo (50% DSR)
Upfront cash ≈ HK$8.57M (deposit + AVD stamp duty HK$734,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,603
−HK$3,220/mo
▼ 0.25% · 3.875%
HK$61,201
−HK$1,622/mo
Today · 4.125%
HK$62,823
baseline
▲ 0.50% · 4.625%
HK$66,134
+HK$3,311/mo
Deposit HK$7.83M · loan HK$11.75M · min. income ≈ HK$125,646/mo (50% DSR)
Upfront cash ≈ HK$8.57M (deposit + AVD stamp duty HK$734,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,505
−HK$3,920/mo
▼ 0.25% · 3.875%
HK$64,450
−HK$1,975/mo
Today · 4.125%
HK$66,425
baseline
▲ 0.50% · 4.625%
HK$70,467
+HK$4,042/mo
Deposit HK$5.87M · loan HK$13.71M · min. income ≈ HK$132,850/mo (50% DSR)
Upfront cash ≈ HK$6.61M (deposit + AVD stamp duty HK$734,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,537
−HK$3,756/mo
▼ 0.25% · 3.875%
HK$71,402
−HK$1,891/mo
Today · 4.125%
HK$73,293
baseline
▲ 0.50% · 4.625%
HK$77,157
+HK$3,864/mo
Deposit HK$5.87M · loan HK$13.71M · min. income ≈ HK$146,586/mo (50% DSR)
Upfront cash ≈ HK$6.61M (deposit + AVD stamp duty HK$734,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,364
−HK$5,040/mo
▼ 0.25% · 3.875%
HK$82,864
−HK$2,540/mo
Today · 4.125%
HK$85,404
baseline
▲ 0.50% · 4.625%
HK$90,600
+HK$5,196/mo
Deposit HK$1.96M · loan HK$17.62M · min. income ≈ HK$170,808/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$734,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,404
−HK$4,830/mo
▼ 0.25% · 3.875%
HK$91,802
−HK$2,432/mo
Today · 4.125%
HK$94,234
baseline
▲ 0.50% · 4.625%
HK$99,202
+HK$4,968/mo
Deposit HK$1.96M · loan HK$17.62M · min. income ≈ HK$188,468/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$734,239 · Scale 2, in force from 26 Feb 2026)