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$44,797
−HK$2,809/mo
▼ 0.25% · 3.875%
HK$46,190
−HK$1,416/mo
Today · 4.125%
HK$47,606
baseline
▲ 0.50% · 4.625%
HK$50,503
+HK$2,897/mo
Deposit HK$9.82M · loan HK$9.82M · min. income ≈ HK$95,212/mo (50% DSR)
Upfront cash ≈ HK$10.56M (deposit + AVD stamp duty HK$736,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,836
−HK$2,692/mo
▼ 0.25% · 3.875%
HK$51,173
−HK$1,355/mo
Today · 4.125%
HK$52,528
baseline
▲ 0.50% · 4.625%
HK$55,297
+HK$2,769/mo
Deposit HK$9.82M · loan HK$9.82M · min. income ≈ HK$105,056/mo (50% DSR)
Upfront cash ≈ HK$10.56M (deposit + AVD stamp duty HK$736,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,756
−HK$3,371/mo
▼ 0.25% · 3.875%
HK$55,428
−HK$1,699/mo
Today · 4.125%
HK$57,127
baseline
▲ 0.50% · 4.625%
HK$60,603
+HK$3,476/mo
Deposit HK$7.86M · loan HK$11.79M · min. income ≈ HK$114,254/mo (50% DSR)
Upfront cash ≈ HK$8.59M (deposit + AVD stamp duty HK$736,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,803
−HK$3,231/mo
▼ 0.25% · 3.875%
HK$61,407
−HK$1,627/mo
Today · 4.125%
HK$63,034
baseline
▲ 0.50% · 4.625%
HK$66,357
+HK$3,323/mo
Deposit HK$7.86M · loan HK$11.79M · min. income ≈ HK$126,068/mo (50% DSR)
Upfront cash ≈ HK$8.59M (deposit + AVD stamp duty HK$736,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,715
−HK$3,933/mo
▼ 0.25% · 3.875%
HK$64,666
−HK$1,982/mo
Today · 4.125%
HK$66,648
baseline
▲ 0.50% · 4.625%
HK$70,704
+HK$4,056/mo
Deposit HK$5.89M · loan HK$13.75M · min. income ≈ HK$133,296/mo (50% DSR)
Upfront cash ≈ HK$6.63M (deposit + AVD stamp duty HK$736,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,770
−HK$3,770/mo
▼ 0.25% · 3.875%
HK$71,642
−HK$1,898/mo
Today · 4.125%
HK$73,540
baseline
▲ 0.50% · 4.625%
HK$77,416
+HK$3,876/mo
Deposit HK$5.89M · loan HK$13.75M · min. income ≈ HK$147,080/mo (50% DSR)
Upfront cash ≈ HK$6.63M (deposit + AVD stamp duty HK$736,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,634
−HK$5,057/mo
▼ 0.25% · 3.875%
HK$83,142
−HK$2,549/mo
Today · 4.125%
HK$85,691
baseline
▲ 0.50% · 4.625%
HK$90,905
+HK$5,214/mo
Deposit HK$1.96M · loan HK$17.68M · min. income ≈ HK$171,382/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$736,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,705
−HK$4,846/mo
▼ 0.25% · 3.875%
HK$92,111
−HK$2,440/mo
Today · 4.125%
HK$94,551
baseline
▲ 0.50% · 4.625%
HK$99,535
+HK$4,984/mo
Deposit HK$1.96M · loan HK$17.68M · min. income ≈ HK$189,102/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$736,706 · Scale 2, in force from 26 Feb 2026)