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$44,506
−HK$2,791/mo
▼ 0.25% · 3.875%
HK$45,891
−HK$1,406/mo
Today · 4.125%
HK$47,297
baseline
▲ 0.50% · 4.625%
HK$50,175
+HK$2,878/mo
Deposit HK$9.76M · loan HK$9.76M · min. income ≈ HK$94,594/mo (50% DSR)
Upfront cash ≈ HK$10.49M (deposit + AVD stamp duty HK$731,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,513
−HK$2,675/mo
▼ 0.25% · 3.875%
HK$50,841
−HK$1,347/mo
Today · 4.125%
HK$52,188
baseline
▲ 0.50% · 4.625%
HK$54,939
+HK$2,751/mo
Deposit HK$9.76M · loan HK$9.76M · min. income ≈ HK$104,376/mo (50% DSR)
Upfront cash ≈ HK$10.49M (deposit + AVD stamp duty HK$731,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,408
−HK$3,349/mo
▼ 0.25% · 3.875%
HK$55,069
−HK$1,688/mo
Today · 4.125%
HK$56,757
baseline
▲ 0.50% · 4.625%
HK$60,210
+HK$3,453/mo
Deposit HK$7.81M · loan HK$11.71M · min. income ≈ HK$113,514/mo (50% DSR)
Upfront cash ≈ HK$8.54M (deposit + AVD stamp duty HK$731,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,416
−HK$3,210/mo
▼ 0.25% · 3.875%
HK$61,009
−HK$1,617/mo
Today · 4.125%
HK$62,626
baseline
▲ 0.50% · 4.625%
HK$65,927
+HK$3,301/mo
Deposit HK$7.81M · loan HK$11.71M · min. income ≈ HK$125,252/mo (50% DSR)
Upfront cash ≈ HK$8.54M (deposit + AVD stamp duty HK$731,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,309
−HK$3,907/mo
▼ 0.25% · 3.875%
HK$64,247
−HK$1,969/mo
Today · 4.125%
HK$66,216
baseline
▲ 0.50% · 4.625%
HK$70,245
+HK$4,029/mo
Deposit HK$5.86M · loan HK$13.66M · min. income ≈ HK$132,432/mo (50% DSR)
Upfront cash ≈ HK$6.59M (deposit + AVD stamp duty HK$731,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,318
−HK$3,745/mo
▼ 0.25% · 3.875%
HK$71,177
−HK$1,886/mo
Today · 4.125%
HK$73,063
baseline
▲ 0.50% · 4.625%
HK$76,914
+HK$3,851/mo
Deposit HK$5.86M · loan HK$13.66M · min. income ≈ HK$146,126/mo (50% DSR)
Upfront cash ≈ HK$6.59M (deposit + AVD stamp duty HK$731,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,112
−HK$5,023/mo
▼ 0.25% · 3.875%
HK$82,604
−HK$2,531/mo
Today · 4.125%
HK$85,135
baseline
▲ 0.50% · 4.625%
HK$90,316
+HK$5,181/mo
Deposit HK$1.95M · loan HK$17.57M · min. income ≈ HK$170,270/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$731,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,123
−HK$4,815/mo
▼ 0.25% · 3.875%
HK$91,514
−HK$2,424/mo
Today · 4.125%
HK$93,938
baseline
▲ 0.50% · 4.625%
HK$98,890
+HK$4,952/mo
Deposit HK$1.95M · loan HK$17.57M · min. income ≈ HK$187,876/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$731,932 · Scale 2, in force from 26 Feb 2026)