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$44,782
−HK$2,809/mo
▼ 0.25% · 3.875%
HK$46,175
−HK$1,416/mo
Today · 4.125%
HK$47,591
baseline
▲ 0.50% · 4.625%
HK$50,487
+HK$2,896/mo
Deposit HK$9.82M · loan HK$9.82M · min. income ≈ HK$95,182/mo (50% DSR)
Upfront cash ≈ HK$10.56M (deposit + AVD stamp duty HK$736,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,820
−HK$2,692/mo
▼ 0.25% · 3.875%
HK$51,156
−HK$1,356/mo
Today · 4.125%
HK$52,512
baseline
▲ 0.50% · 4.625%
HK$55,280
+HK$2,768/mo
Deposit HK$9.82M · loan HK$9.82M · min. income ≈ HK$105,024/mo (50% DSR)
Upfront cash ≈ HK$10.56M (deposit + AVD stamp duty HK$736,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,739
−HK$3,370/mo
▼ 0.25% · 3.875%
HK$55,411
−HK$1,698/mo
Today · 4.125%
HK$57,109
baseline
▲ 0.50% · 4.625%
HK$60,584
+HK$3,475/mo
Deposit HK$7.86M · loan HK$11.78M · min. income ≈ HK$114,218/mo (50% DSR)
Upfront cash ≈ HK$8.59M (deposit + AVD stamp duty HK$736,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,784
−HK$3,230/mo
▼ 0.25% · 3.875%
HK$61,387
−HK$1,627/mo
Today · 4.125%
HK$63,014
baseline
▲ 0.50% · 4.625%
HK$66,336
+HK$3,322/mo
Deposit HK$7.86M · loan HK$11.78M · min. income ≈ HK$126,028/mo (50% DSR)
Upfront cash ≈ HK$8.59M (deposit + AVD stamp duty HK$736,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,695
−HK$3,932/mo
▼ 0.25% · 3.875%
HK$64,646
−HK$1,981/mo
Today · 4.125%
HK$66,627
baseline
▲ 0.50% · 4.625%
HK$70,681
+HK$4,054/mo
Deposit HK$5.89M · loan HK$13.75M · min. income ≈ HK$133,254/mo (50% DSR)
Upfront cash ≈ HK$6.63M (deposit + AVD stamp duty HK$736,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,748
−HK$3,768/mo
▼ 0.25% · 3.875%
HK$71,619
−HK$1,897/mo
Today · 4.125%
HK$73,516
baseline
▲ 0.50% · 4.625%
HK$77,392
+HK$3,876/mo
Deposit HK$5.89M · loan HK$13.75M · min. income ≈ HK$147,032/mo (50% DSR)
Upfront cash ≈ HK$6.63M (deposit + AVD stamp duty HK$736,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,608
−HK$5,055/mo
▼ 0.25% · 3.875%
HK$83,116
−HK$2,547/mo
Today · 4.125%
HK$85,663
baseline
▲ 0.50% · 4.625%
HK$90,876
+HK$5,213/mo
Deposit HK$1.96M · loan HK$17.68M · min. income ≈ HK$171,326/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$736,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,676
−HK$4,845/mo
▼ 0.25% · 3.875%
HK$92,081
−HK$2,440/mo
Today · 4.125%
HK$94,521
baseline
▲ 0.50% · 4.625%
HK$99,503
+HK$4,982/mo
Deposit HK$1.96M · loan HK$17.68M · min. income ≈ HK$189,042/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$736,472 · Scale 2, in force from 26 Feb 2026)