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$44,747
−HK$2,806/mo
▼ 0.25% · 3.875%
HK$46,139
−HK$1,414/mo
Today · 4.125%
HK$47,553
baseline
▲ 0.50% · 4.625%
HK$50,446
+HK$2,893/mo
Deposit HK$9.81M · loan HK$9.81M · min. income ≈ HK$95,106/mo (50% DSR)
Upfront cash ≈ HK$10.55M (deposit + AVD stamp duty HK$735,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,780
−HK$2,690/mo
▼ 0.25% · 3.875%
HK$51,115
−HK$1,355/mo
Today · 4.125%
HK$52,470
baseline
▲ 0.50% · 4.625%
HK$55,235
+HK$2,765/mo
Deposit HK$9.81M · loan HK$9.81M · min. income ≈ HK$104,940/mo (50% DSR)
Upfront cash ≈ HK$10.55M (deposit + AVD stamp duty HK$735,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,696
−HK$3,367/mo
▼ 0.25% · 3.875%
HK$55,366
−HK$1,697/mo
Today · 4.125%
HK$57,063
baseline
▲ 0.50% · 4.625%
HK$60,535
+HK$3,472/mo
Deposit HK$7.85M · loan HK$11.77M · min. income ≈ HK$114,126/mo (50% DSR)
Upfront cash ≈ HK$8.59M (deposit + AVD stamp duty HK$735,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,736
−HK$3,228/mo
▼ 0.25% · 3.875%
HK$61,338
−HK$1,626/mo
Today · 4.125%
HK$62,964
baseline
▲ 0.50% · 4.625%
HK$66,283
+HK$3,319/mo
Deposit HK$7.85M · loan HK$11.77M · min. income ≈ HK$125,928/mo (50% DSR)
Upfront cash ≈ HK$8.59M (deposit + AVD stamp duty HK$735,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,645
−HK$3,929/mo
▼ 0.25% · 3.875%
HK$64,594
−HK$1,980/mo
Today · 4.125%
HK$66,574
baseline
▲ 0.50% · 4.625%
HK$70,625
+HK$4,051/mo
Deposit HK$5.89M · loan HK$13.74M · min. income ≈ HK$133,148/mo (50% DSR)
Upfront cash ≈ HK$6.62M (deposit + AVD stamp duty HK$735,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,692
−HK$3,766/mo
▼ 0.25% · 3.875%
HK$71,561
−HK$1,897/mo
Today · 4.125%
HK$73,458
baseline
▲ 0.50% · 4.625%
HK$77,330
+HK$3,872/mo
Deposit HK$5.89M · loan HK$13.74M · min. income ≈ HK$146,916/mo (50% DSR)
Upfront cash ≈ HK$6.62M (deposit + AVD stamp duty HK$735,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,544
−HK$5,051/mo
▼ 0.25% · 3.875%
HK$83,049
−HK$2,546/mo
Today · 4.125%
HK$85,595
baseline
▲ 0.50% · 4.625%
HK$90,803
+HK$5,208/mo
Deposit HK$1.96M · loan HK$17.66M · min. income ≈ HK$171,190/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$735,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,604
−HK$4,842/mo
▼ 0.25% · 3.875%
HK$92,008
−HK$2,438/mo
Today · 4.125%
HK$94,446
baseline
▲ 0.50% · 4.625%
HK$99,424
+HK$4,978/mo
Deposit HK$1.96M · loan HK$17.66M · min. income ≈ HK$188,892/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$735,883 · Scale 2, in force from 26 Feb 2026)