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$44,793
−HK$2,809/mo
▼ 0.25% · 3.875%
HK$46,186
−HK$1,416/mo
Today · 4.125%
HK$47,602
baseline
▲ 0.50% · 4.625%
HK$50,498
+HK$2,896/mo
Deposit HK$9.82M · loan HK$9.82M · min. income ≈ HK$95,204/mo (50% DSR)
Upfront cash ≈ HK$10.56M (deposit + AVD stamp duty HK$736,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,832
−HK$2,692/mo
▼ 0.25% · 3.875%
HK$51,168
−HK$1,356/mo
Today · 4.125%
HK$52,524
baseline
▲ 0.50% · 4.625%
HK$55,293
+HK$2,769/mo
Deposit HK$9.82M · loan HK$9.82M · min. income ≈ HK$105,048/mo (50% DSR)
Upfront cash ≈ HK$10.56M (deposit + AVD stamp duty HK$736,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,752
−HK$3,370/mo
▼ 0.25% · 3.875%
HK$55,424
−HK$1,698/mo
Today · 4.125%
HK$57,122
baseline
▲ 0.50% · 4.625%
HK$60,598
+HK$3,476/mo
Deposit HK$7.86M · loan HK$11.79M · min. income ≈ HK$114,244/mo (50% DSR)
Upfront cash ≈ HK$8.59M (deposit + AVD stamp duty HK$736,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,798
−HK$3,231/mo
▼ 0.25% · 3.875%
HK$61,402
−HK$1,627/mo
Today · 4.125%
HK$63,029
baseline
▲ 0.50% · 4.625%
HK$66,351
+HK$3,322/mo
Deposit HK$7.86M · loan HK$11.79M · min. income ≈ HK$126,058/mo (50% DSR)
Upfront cash ≈ HK$8.59M (deposit + AVD stamp duty HK$736,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,710
−HK$3,933/mo
▼ 0.25% · 3.875%
HK$64,661
−HK$1,982/mo
Today · 4.125%
HK$66,643
baseline
▲ 0.50% · 4.625%
HK$70,698
+HK$4,055/mo
Deposit HK$5.89M · loan HK$13.75M · min. income ≈ HK$133,286/mo (50% DSR)
Upfront cash ≈ HK$6.63M (deposit + AVD stamp duty HK$736,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,765
−HK$3,769/mo
▼ 0.25% · 3.875%
HK$71,636
−HK$1,898/mo
Today · 4.125%
HK$73,534
baseline
▲ 0.50% · 4.625%
HK$77,410
+HK$3,876/mo
Deposit HK$5.89M · loan HK$13.75M · min. income ≈ HK$147,068/mo (50% DSR)
Upfront cash ≈ HK$6.63M (deposit + AVD stamp duty HK$736,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,628
−HK$5,056/mo
▼ 0.25% · 3.875%
HK$83,136
−HK$2,548/mo
Today · 4.125%
HK$85,684
baseline
▲ 0.50% · 4.625%
HK$90,897
+HK$5,213/mo
Deposit HK$1.96M · loan HK$17.68M · min. income ≈ HK$171,368/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$736,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,697
−HK$4,846/mo
▼ 0.25% · 3.875%
HK$92,103
−HK$2,440/mo
Today · 4.125%
HK$94,543
baseline
▲ 0.50% · 4.625%
HK$99,527
+HK$4,984/mo
Deposit HK$1.96M · loan HK$17.68M · min. income ≈ HK$189,086/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$736,646 · Scale 2, in force from 26 Feb 2026)