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$44,404
−HK$2,784/mo
▼ 0.25% · 3.875%
HK$45,785
−HK$1,403/mo
Today · 4.125%
HK$47,188
baseline
▲ 0.50% · 4.625%
HK$50,060
+HK$2,872/mo
Deposit HK$9.74M · loan HK$9.74M · min. income ≈ HK$94,376/mo (50% DSR)
Upfront cash ≈ HK$10.47M (deposit + AVD stamp duty HK$730,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,399
−HK$2,669/mo
▼ 0.25% · 3.875%
HK$50,724
−HK$1,344/mo
Today · 4.125%
HK$52,068
baseline
▲ 0.50% · 4.625%
HK$54,812
+HK$2,744/mo
Deposit HK$9.74M · loan HK$9.74M · min. income ≈ HK$104,136/mo (50% DSR)
Upfront cash ≈ HK$10.47M (deposit + AVD stamp duty HK$730,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,285
−HK$3,341/mo
▼ 0.25% · 3.875%
HK$54,942
−HK$1,684/mo
Today · 4.125%
HK$56,626
baseline
▲ 0.50% · 4.625%
HK$60,072
+HK$3,446/mo
Deposit HK$7.79M · loan HK$11.68M · min. income ≈ HK$113,252/mo (50% DSR)
Upfront cash ≈ HK$8.52M (deposit + AVD stamp duty HK$730,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,279
−HK$3,202/mo
▼ 0.25% · 3.875%
HK$60,868
−HK$1,613/mo
Today · 4.125%
HK$62,481
baseline
▲ 0.50% · 4.625%
HK$65,775
+HK$3,294/mo
Deposit HK$7.79M · loan HK$11.68M · min. income ≈ HK$124,962/mo (50% DSR)
Upfront cash ≈ HK$8.52M (deposit + AVD stamp duty HK$730,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,165
−HK$3,899/mo
▼ 0.25% · 3.875%
HK$64,099
−HK$1,965/mo
Today · 4.125%
HK$66,064
baseline
▲ 0.50% · 4.625%
HK$70,084
+HK$4,020/mo
Deposit HK$5.84M · loan HK$13.63M · min. income ≈ HK$132,128/mo (50% DSR)
Upfront cash ≈ HK$6.57M (deposit + AVD stamp duty HK$730,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,158
−HK$3,737/mo
▼ 0.25% · 3.875%
HK$71,013
−HK$1,882/mo
Today · 4.125%
HK$72,895
baseline
▲ 0.50% · 4.625%
HK$76,737
+HK$3,842/mo
Deposit HK$5.84M · loan HK$13.63M · min. income ≈ HK$145,790/mo (50% DSR)
Upfront cash ≈ HK$6.57M (deposit + AVD stamp duty HK$730,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,927
−HK$5,012/mo
▼ 0.25% · 3.875%
HK$82,413
−HK$2,526/mo
Today · 4.125%
HK$84,939
baseline
▲ 0.50% · 4.625%
HK$90,107
+HK$5,168/mo
Deposit HK$1.95M · loan HK$17.53M · min. income ≈ HK$169,878/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$730,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,918
−HK$4,804/mo
▼ 0.25% · 3.875%
HK$91,303
−HK$2,419/mo
Today · 4.125%
HK$93,722
baseline
▲ 0.50% · 4.625%
HK$98,662
+HK$4,940/mo
Deposit HK$1.95M · loan HK$17.53M · min. income ≈ HK$187,444/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$730,245 · Scale 2, in force from 26 Feb 2026)