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$44,400
−HK$2,784/mo
▼ 0.25% · 3.875%
HK$45,781
−HK$1,403/mo
Today · 4.125%
HK$47,184
baseline
▲ 0.50% · 4.625%
HK$50,055
+HK$2,871/mo
Deposit HK$9.74M · loan HK$9.74M · min. income ≈ HK$94,368/mo (50% DSR)
Upfront cash ≈ HK$10.47M (deposit + AVD stamp duty HK$730,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,394
−HK$2,669/mo
▼ 0.25% · 3.875%
HK$50,719
−HK$1,344/mo
Today · 4.125%
HK$52,063
baseline
▲ 0.50% · 4.625%
HK$54,807
+HK$2,744/mo
Deposit HK$9.74M · loan HK$9.74M · min. income ≈ HK$104,126/mo (50% DSR)
Upfront cash ≈ HK$10.47M (deposit + AVD stamp duty HK$730,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,280
−HK$3,341/mo
▼ 0.25% · 3.875%
HK$54,937
−HK$1,684/mo
Today · 4.125%
HK$56,621
baseline
▲ 0.50% · 4.625%
HK$60,066
+HK$3,445/mo
Deposit HK$7.79M · loan HK$11.68M · min. income ≈ HK$113,242/mo (50% DSR)
Upfront cash ≈ HK$8.52M (deposit + AVD stamp duty HK$730,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,273
−HK$3,202/mo
▼ 0.25% · 3.875%
HK$60,863
−HK$1,612/mo
Today · 4.125%
HK$62,475
baseline
▲ 0.50% · 4.625%
HK$65,769
+HK$3,294/mo
Deposit HK$7.79M · loan HK$11.68M · min. income ≈ HK$124,950/mo (50% DSR)
Upfront cash ≈ HK$8.52M (deposit + AVD stamp duty HK$730,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,160
−HK$3,898/mo
▼ 0.25% · 3.875%
HK$64,093
−HK$1,965/mo
Today · 4.125%
HK$66,058
baseline
▲ 0.50% · 4.625%
HK$70,077
+HK$4,019/mo
Deposit HK$5.84M · loan HK$13.63M · min. income ≈ HK$132,116/mo (50% DSR)
Upfront cash ≈ HK$6.57M (deposit + AVD stamp duty HK$730,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,152
−HK$3,736/mo
▼ 0.25% · 3.875%
HK$71,007
−HK$1,881/mo
Today · 4.125%
HK$72,888
baseline
▲ 0.50% · 4.625%
HK$76,730
+HK$3,842/mo
Deposit HK$5.84M · loan HK$13.63M · min. income ≈ HK$145,776/mo (50% DSR)
Upfront cash ≈ HK$6.57M (deposit + AVD stamp duty HK$730,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,920
−HK$5,011/mo
▼ 0.25% · 3.875%
HK$82,405
−HK$2,526/mo
Today · 4.125%
HK$84,931
baseline
▲ 0.50% · 4.625%
HK$90,099
+HK$5,168/mo
Deposit HK$1.95M · loan HK$17.52M · min. income ≈ HK$169,862/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$730,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,910
−HK$4,803/mo
▼ 0.25% · 3.875%
HK$91,294
−HK$2,419/mo
Today · 4.125%
HK$93,713
baseline
▲ 0.50% · 4.625%
HK$98,653
+HK$4,940/mo
Deposit HK$1.95M · loan HK$17.52M · min. income ≈ HK$187,426/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$730,177 · Scale 2, in force from 26 Feb 2026)