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$44,814
−HK$2,811/mo
▼ 0.25% · 3.875%
HK$46,208
−HK$1,417/mo
Today · 4.125%
HK$47,625
baseline
▲ 0.50% · 4.625%
HK$50,522
+HK$2,897/mo
Deposit HK$9.83M · loan HK$9.83M · min. income ≈ HK$95,250/mo (50% DSR)
Upfront cash ≈ HK$10.56M (deposit + AVD stamp duty HK$736,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,856
−HK$2,693/mo
▼ 0.25% · 3.875%
HK$51,193
−HK$1,356/mo
Today · 4.125%
HK$52,549
baseline
▲ 0.50% · 4.625%
HK$55,319
+HK$2,770/mo
Deposit HK$9.83M · loan HK$9.83M · min. income ≈ HK$105,098/mo (50% DSR)
Upfront cash ≈ HK$10.56M (deposit + AVD stamp duty HK$736,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,777
−HK$3,373/mo
▼ 0.25% · 3.875%
HK$55,450
−HK$1,700/mo
Today · 4.125%
HK$57,150
baseline
▲ 0.50% · 4.625%
HK$60,627
+HK$3,477/mo
Deposit HK$7.86M · loan HK$11.79M · min. income ≈ HK$114,300/mo (50% DSR)
Upfront cash ≈ HK$8.60M (deposit + AVD stamp duty HK$736,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,827
−HK$3,232/mo
▼ 0.25% · 3.875%
HK$61,431
−HK$1,628/mo
Today · 4.125%
HK$63,059
baseline
▲ 0.50% · 4.625%
HK$66,383
+HK$3,324/mo
Deposit HK$7.86M · loan HK$11.79M · min. income ≈ HK$126,118/mo (50% DSR)
Upfront cash ≈ HK$8.60M (deposit + AVD stamp duty HK$736,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,740
−HK$3,935/mo
▼ 0.25% · 3.875%
HK$64,692
−HK$1,983/mo
Today · 4.125%
HK$66,675
baseline
▲ 0.50% · 4.625%
HK$70,731
+HK$4,056/mo
Deposit HK$5.90M · loan HK$13.76M · min. income ≈ HK$133,350/mo (50% DSR)
Upfront cash ≈ HK$6.63M (deposit + AVD stamp duty HK$736,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,798
−HK$3,771/mo
▼ 0.25% · 3.875%
HK$71,670
−HK$1,899/mo
Today · 4.125%
HK$73,569
baseline
▲ 0.50% · 4.625%
HK$77,447
+HK$3,878/mo
Deposit HK$5.90M · loan HK$13.76M · min. income ≈ HK$147,138/mo (50% DSR)
Upfront cash ≈ HK$6.63M (deposit + AVD stamp duty HK$736,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,666
−HK$5,058/mo
▼ 0.25% · 3.875%
HK$83,175
−HK$2,549/mo
Today · 4.125%
HK$85,724
baseline
▲ 0.50% · 4.625%
HK$90,940
+HK$5,216/mo
Deposit HK$1.97M · loan HK$17.69M · min. income ≈ HK$171,448/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$736,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,740
−HK$4,848/mo
▼ 0.25% · 3.875%
HK$92,147
−HK$2,441/mo
Today · 4.125%
HK$94,588
baseline
▲ 0.50% · 4.625%
HK$99,574
+HK$4,986/mo
Deposit HK$1.97M · loan HK$17.69M · min. income ≈ HK$189,176/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$736,996 · Scale 2, in force from 26 Feb 2026)