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$44,596
−HK$2,797/mo
▼ 0.25% · 3.875%
HK$45,984
−HK$1,409/mo
Today · 4.125%
HK$47,393
baseline
▲ 0.50% · 4.625%
HK$50,277
+HK$2,884/mo
Deposit HK$9.78M · loan HK$9.78M · min. income ≈ HK$94,786/mo (50% DSR)
Upfront cash ≈ HK$10.51M (deposit + AVD stamp duty HK$733,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,613
−HK$2,680/mo
▼ 0.25% · 3.875%
HK$50,944
−HK$1,349/mo
Today · 4.125%
HK$52,293
baseline
▲ 0.50% · 4.625%
HK$55,050
+HK$2,757/mo
Deposit HK$9.78M · loan HK$9.78M · min. income ≈ HK$104,586/mo (50% DSR)
Upfront cash ≈ HK$10.51M (deposit + AVD stamp duty HK$733,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,516
−HK$3,356/mo
▼ 0.25% · 3.875%
HK$55,180
−HK$1,692/mo
Today · 4.125%
HK$56,872
baseline
▲ 0.50% · 4.625%
HK$60,332
+HK$3,460/mo
Deposit HK$7.82M · loan HK$11.73M · min. income ≈ HK$113,744/mo (50% DSR)
Upfront cash ≈ HK$8.56M (deposit + AVD stamp duty HK$733,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,536
−HK$3,216/mo
▼ 0.25% · 3.875%
HK$61,132
−HK$1,620/mo
Today · 4.125%
HK$62,752
baseline
▲ 0.50% · 4.625%
HK$66,060
+HK$3,308/mo
Deposit HK$7.82M · loan HK$11.73M · min. income ≈ HK$125,504/mo (50% DSR)
Upfront cash ≈ HK$8.56M (deposit + AVD stamp duty HK$733,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,435
−HK$3,915/mo
▼ 0.25% · 3.875%
HK$64,377
−HK$1,973/mo
Today · 4.125%
HK$66,350
baseline
▲ 0.50% · 4.625%
HK$70,387
+HK$4,037/mo
Deposit HK$5.87M · loan HK$13.69M · min. income ≈ HK$132,700/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$733,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,458
−HK$3,753/mo
▼ 0.25% · 3.875%
HK$71,321
−HK$1,890/mo
Today · 4.125%
HK$73,211
baseline
▲ 0.50% · 4.625%
HK$77,070
+HK$3,859/mo
Deposit HK$5.87M · loan HK$13.69M · min. income ≈ HK$146,422/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$733,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,273
−HK$5,034/mo
▼ 0.25% · 3.875%
HK$82,770
−HK$2,537/mo
Today · 4.125%
HK$85,307
baseline
▲ 0.50% · 4.625%
HK$90,498
+HK$5,191/mo
Deposit HK$1.96M · loan HK$17.60M · min. income ≈ HK$170,614/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$733,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,303
−HK$4,825/mo
▼ 0.25% · 3.875%
HK$91,698
−HK$2,430/mo
Today · 4.125%
HK$94,128
baseline
▲ 0.50% · 4.625%
HK$99,090
+HK$4,962/mo
Deposit HK$1.96M · loan HK$17.60M · min. income ≈ HK$188,256/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$733,410 · Scale 2, in force from 26 Feb 2026)