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$44,810
−HK$2,810/mo
▼ 0.25% · 3.875%
HK$46,204
−HK$1,416/mo
Today · 4.125%
HK$47,620
baseline
▲ 0.50% · 4.625%
HK$50,518
+HK$2,898/mo
Deposit HK$9.83M · loan HK$9.83M · min. income ≈ HK$95,240/mo (50% DSR)
Upfront cash ≈ HK$10.56M (deposit + AVD stamp duty HK$736,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,851
−HK$2,693/mo
▼ 0.25% · 3.875%
HK$51,188
−HK$1,356/mo
Today · 4.125%
HK$52,544
baseline
▲ 0.50% · 4.625%
HK$55,314
+HK$2,770/mo
Deposit HK$9.83M · loan HK$9.83M · min. income ≈ HK$105,088/mo (50% DSR)
Upfront cash ≈ HK$10.56M (deposit + AVD stamp duty HK$736,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,773
−HK$3,372/mo
▼ 0.25% · 3.875%
HK$55,445
−HK$1,700/mo
Today · 4.125%
HK$57,145
baseline
▲ 0.50% · 4.625%
HK$60,622
+HK$3,477/mo
Deposit HK$7.86M · loan HK$11.79M · min. income ≈ HK$114,290/mo (50% DSR)
Upfront cash ≈ HK$8.60M (deposit + AVD stamp duty HK$736,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,821
−HK$3,232/mo
▼ 0.25% · 3.875%
HK$61,426
−HK$1,627/mo
Today · 4.125%
HK$63,053
baseline
▲ 0.50% · 4.625%
HK$66,377
+HK$3,324/mo
Deposit HK$7.86M · loan HK$11.79M · min. income ≈ HK$126,106/mo (50% DSR)
Upfront cash ≈ HK$8.60M (deposit + AVD stamp duty HK$736,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,735
−HK$3,934/mo
▼ 0.25% · 3.875%
HK$64,686
−HK$1,983/mo
Today · 4.125%
HK$66,669
baseline
▲ 0.50% · 4.625%
HK$70,725
+HK$4,056/mo
Deposit HK$5.90M · loan HK$13.76M · min. income ≈ HK$133,338/mo (50% DSR)
Upfront cash ≈ HK$6.63M (deposit + AVD stamp duty HK$736,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,792
−HK$3,770/mo
▼ 0.25% · 3.875%
HK$71,663
−HK$1,899/mo
Today · 4.125%
HK$73,562
baseline
▲ 0.50% · 4.625%
HK$77,440
+HK$3,878/mo
Deposit HK$5.90M · loan HK$13.76M · min. income ≈ HK$147,124/mo (50% DSR)
Upfront cash ≈ HK$6.63M (deposit + AVD stamp duty HK$736,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,659
−HK$5,058/mo
▼ 0.25% · 3.875%
HK$83,168
−HK$2,549/mo
Today · 4.125%
HK$85,717
baseline
▲ 0.50% · 4.625%
HK$90,933
+HK$5,216/mo
Deposit HK$1.97M · loan HK$17.69M · min. income ≈ HK$171,434/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$736,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,732
−HK$4,848/mo
▼ 0.25% · 3.875%
HK$92,139
−HK$2,441/mo
Today · 4.125%
HK$94,580
baseline
▲ 0.50% · 4.625%
HK$99,566
+HK$4,986/mo
Deposit HK$1.97M · loan HK$17.69M · min. income ≈ HK$189,160/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$736,932 · Scale 2, in force from 26 Feb 2026)