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$44,368
−HK$2,783/mo
▼ 0.25% · 3.875%
HK$45,749
−HK$1,402/mo
Today · 4.125%
HK$47,151
baseline
▲ 0.50% · 4.625%
HK$50,020
+HK$2,869/mo
Deposit HK$9.73M · loan HK$9.73M · min. income ≈ HK$94,302/mo (50% DSR)
Upfront cash ≈ HK$10.46M (deposit + AVD stamp duty HK$729,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,359
−HK$2,667/mo
▼ 0.25% · 3.875%
HK$50,683
−HK$1,343/mo
Today · 4.125%
HK$52,026
baseline
▲ 0.50% · 4.625%
HK$54,768
+HK$2,742/mo
Deposit HK$9.73M · loan HK$9.73M · min. income ≈ HK$104,052/mo (50% DSR)
Upfront cash ≈ HK$10.46M (deposit + AVD stamp duty HK$729,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,242
−HK$3,339/mo
▼ 0.25% · 3.875%
HK$54,898
−HK$1,683/mo
Today · 4.125%
HK$56,581
baseline
▲ 0.50% · 4.625%
HK$60,024
+HK$3,443/mo
Deposit HK$7.78M · loan HK$11.67M · min. income ≈ HK$113,162/mo (50% DSR)
Upfront cash ≈ HK$8.51M (deposit + AVD stamp duty HK$729,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,231
−HK$3,200/mo
▼ 0.25% · 3.875%
HK$60,820
−HK$1,611/mo
Today · 4.125%
HK$62,431
baseline
▲ 0.50% · 4.625%
HK$65,722
+HK$3,291/mo
Deposit HK$7.78M · loan HK$11.67M · min. income ≈ HK$124,862/mo (50% DSR)
Upfront cash ≈ HK$8.51M (deposit + AVD stamp duty HK$729,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,116
−HK$3,895/mo
▼ 0.25% · 3.875%
HK$64,048
−HK$1,963/mo
Today · 4.125%
HK$66,011
baseline
▲ 0.50% · 4.625%
HK$70,028
+HK$4,017/mo
Deposit HK$5.84M · loan HK$13.62M · min. income ≈ HK$132,022/mo (50% DSR)
Upfront cash ≈ HK$6.57M (deposit + AVD stamp duty HK$729,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,103
−HK$3,734/mo
▼ 0.25% · 3.875%
HK$70,956
−HK$1,881/mo
Today · 4.125%
HK$72,837
baseline
▲ 0.50% · 4.625%
HK$76,676
+HK$3,839/mo
Deposit HK$5.84M · loan HK$13.62M · min. income ≈ HK$145,674/mo (50% DSR)
Upfront cash ≈ HK$6.57M (deposit + AVD stamp duty HK$729,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,863
−HK$5,008/mo
▼ 0.25% · 3.875%
HK$82,347
−HK$2,524/mo
Today · 4.125%
HK$84,871
baseline
▲ 0.50% · 4.625%
HK$90,035
+HK$5,164/mo
Deposit HK$1.95M · loan HK$17.51M · min. income ≈ HK$169,742/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$729,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,847
−HK$4,800/mo
▼ 0.25% · 3.875%
HK$91,230
−HK$2,417/mo
Today · 4.125%
HK$93,647
baseline
▲ 0.50% · 4.625%
HK$98,583
+HK$4,936/mo
Deposit HK$1.95M · loan HK$17.51M · min. income ≈ HK$187,294/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$729,662 · Scale 2, in force from 26 Feb 2026)