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$44,586
−HK$2,796/mo
▼ 0.25% · 3.875%
HK$45,973
−HK$1,409/mo
Today · 4.125%
HK$47,382
baseline
▲ 0.50% · 4.625%
HK$50,265
+HK$2,883/mo
Deposit HK$9.78M · loan HK$9.78M · min. income ≈ HK$94,764/mo (50% DSR)
Upfront cash ≈ HK$10.51M (deposit + AVD stamp duty HK$733,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,602
−HK$2,680/mo
▼ 0.25% · 3.875%
HK$50,932
−HK$1,350/mo
Today · 4.125%
HK$52,282
baseline
▲ 0.50% · 4.625%
HK$55,037
+HK$2,755/mo
Deposit HK$9.78M · loan HK$9.78M · min. income ≈ HK$104,564/mo (50% DSR)
Upfront cash ≈ HK$10.51M (deposit + AVD stamp duty HK$733,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,504
−HK$3,355/mo
▼ 0.25% · 3.875%
HK$55,168
−HK$1,691/mo
Today · 4.125%
HK$56,859
baseline
▲ 0.50% · 4.625%
HK$60,318
+HK$3,459/mo
Deposit HK$7.82M · loan HK$11.73M · min. income ≈ HK$113,718/mo (50% DSR)
Upfront cash ≈ HK$8.55M (deposit + AVD stamp duty HK$733,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,522
−HK$3,216/mo
▼ 0.25% · 3.875%
HK$61,118
−HK$1,620/mo
Today · 4.125%
HK$62,738
baseline
▲ 0.50% · 4.625%
HK$66,045
+HK$3,307/mo
Deposit HK$7.82M · loan HK$11.73M · min. income ≈ HK$125,476/mo (50% DSR)
Upfront cash ≈ HK$8.55M (deposit + AVD stamp duty HK$733,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,421
−HK$3,914/mo
▼ 0.25% · 3.875%
HK$64,362
−HK$1,973/mo
Today · 4.125%
HK$66,335
baseline
▲ 0.50% · 4.625%
HK$70,371
+HK$4,036/mo
Deposit HK$5.87M · loan HK$13.69M · min. income ≈ HK$132,670/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$733,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,442
−HK$3,752/mo
▼ 0.25% · 3.875%
HK$71,305
−HK$1,889/mo
Today · 4.125%
HK$73,194
baseline
▲ 0.50% · 4.625%
HK$77,052
+HK$3,858/mo
Deposit HK$5.87M · loan HK$13.69M · min. income ≈ HK$146,388/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$733,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,255
−HK$5,033/mo
▼ 0.25% · 3.875%
HK$82,752
−HK$2,536/mo
Today · 4.125%
HK$85,288
baseline
▲ 0.50% · 4.625%
HK$90,478
+HK$5,190/mo
Deposit HK$1.96M · loan HK$17.60M · min. income ≈ HK$170,576/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$733,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,283
−HK$4,824/mo
▼ 0.25% · 3.875%
HK$91,678
−HK$2,429/mo
Today · 4.125%
HK$94,107
baseline
▲ 0.50% · 4.625%
HK$99,067
+HK$4,960/mo
Deposit HK$1.96M · loan HK$17.60M · min. income ≈ HK$188,214/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$733,245 · Scale 2, in force from 26 Feb 2026)