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$44,641
−HK$2,800/mo
▼ 0.25% · 3.875%
HK$46,030
−HK$1,411/mo
Today · 4.125%
HK$47,441
baseline
▲ 0.50% · 4.625%
HK$50,327
+HK$2,886/mo
Deposit HK$9.79M · loan HK$9.79M · min. income ≈ HK$94,882/mo (50% DSR)
Upfront cash ≈ HK$10.52M (deposit + AVD stamp duty HK$734,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,663
−HK$2,683/mo
▼ 0.25% · 3.875%
HK$50,995
−HK$1,351/mo
Today · 4.125%
HK$52,346
baseline
▲ 0.50% · 4.625%
HK$55,105
+HK$2,759/mo
Deposit HK$9.79M · loan HK$9.79M · min. income ≈ HK$104,692/mo (50% DSR)
Upfront cash ≈ HK$10.52M (deposit + AVD stamp duty HK$734,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,569
−HK$3,360/mo
▼ 0.25% · 3.875%
HK$55,236
−HK$1,693/mo
Today · 4.125%
HK$56,929
baseline
▲ 0.50% · 4.625%
HK$60,393
+HK$3,464/mo
Deposit HK$7.83M · loan HK$11.75M · min. income ≈ HK$113,858/mo (50% DSR)
Upfront cash ≈ HK$8.57M (deposit + AVD stamp duty HK$734,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,595
−HK$3,220/mo
▼ 0.25% · 3.875%
HK$61,194
−HK$1,621/mo
Today · 4.125%
HK$62,815
baseline
▲ 0.50% · 4.625%
HK$66,126
+HK$3,311/mo
Deposit HK$7.83M · loan HK$11.75M · min. income ≈ HK$125,630/mo (50% DSR)
Upfront cash ≈ HK$8.57M (deposit + AVD stamp duty HK$734,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,498
−HK$3,919/mo
▼ 0.25% · 3.875%
HK$64,442
−HK$1,975/mo
Today · 4.125%
HK$66,417
baseline
▲ 0.50% · 4.625%
HK$70,458
+HK$4,041/mo
Deposit HK$5.87M · loan HK$13.70M · min. income ≈ HK$132,834/mo (50% DSR)
Upfront cash ≈ HK$6.61M (deposit + AVD stamp duty HK$734,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,528
−HK$3,756/mo
▼ 0.25% · 3.875%
HK$71,393
−HK$1,891/mo
Today · 4.125%
HK$73,284
baseline
▲ 0.50% · 4.625%
HK$77,147
+HK$3,863/mo
Deposit HK$5.87M · loan HK$13.70M · min. income ≈ HK$146,568/mo (50% DSR)
Upfront cash ≈ HK$6.61M (deposit + AVD stamp duty HK$734,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,354
−HK$5,039/mo
▼ 0.25% · 3.875%
HK$82,854
−HK$2,539/mo
Today · 4.125%
HK$85,393
baseline
▲ 0.50% · 4.625%
HK$90,589
+HK$5,196/mo
Deposit HK$1.96M · loan HK$17.62M · min. income ≈ HK$170,786/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$734,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,393
−HK$4,830/mo
▼ 0.25% · 3.875%
HK$91,791
−HK$2,432/mo
Today · 4.125%
HK$94,223
baseline
▲ 0.50% · 4.625%
HK$99,189
+HK$4,966/mo
Deposit HK$1.96M · loan HK$17.62M · min. income ≈ HK$188,446/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$734,148 · Scale 2, in force from 26 Feb 2026)