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$44,582
−HK$2,796/mo
▼ 0.25% · 3.875%
HK$45,969
−HK$1,409/mo
Today · 4.125%
HK$47,378
baseline
▲ 0.50% · 4.625%
HK$50,260
+HK$2,882/mo
Deposit HK$9.78M · loan HK$9.78M · min. income ≈ HK$94,756/mo (50% DSR)
Upfront cash ≈ HK$10.51M (deposit + AVD stamp duty HK$733,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,597
−HK$2,679/mo
▼ 0.25% · 3.875%
HK$50,927
−HK$1,349/mo
Today · 4.125%
HK$52,276
baseline
▲ 0.50% · 4.625%
HK$55,032
+HK$2,756/mo
Deposit HK$9.78M · loan HK$9.78M · min. income ≈ HK$104,552/mo (50% DSR)
Upfront cash ≈ HK$10.51M (deposit + AVD stamp duty HK$733,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,498
−HK$3,355/mo
▼ 0.25% · 3.875%
HK$55,162
−HK$1,691/mo
Today · 4.125%
HK$56,853
baseline
▲ 0.50% · 4.625%
HK$60,312
+HK$3,459/mo
Deposit HK$7.82M · loan HK$11.73M · min. income ≈ HK$113,706/mo (50% DSR)
Upfront cash ≈ HK$8.55M (deposit + AVD stamp duty HK$733,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,516
−HK$3,216/mo
▼ 0.25% · 3.875%
HK$61,112
−HK$1,620/mo
Today · 4.125%
HK$62,732
baseline
▲ 0.50% · 4.625%
HK$66,038
+HK$3,306/mo
Deposit HK$7.82M · loan HK$11.73M · min. income ≈ HK$125,464/mo (50% DSR)
Upfront cash ≈ HK$8.55M (deposit + AVD stamp duty HK$733,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,415
−HK$3,914/mo
▼ 0.25% · 3.875%
HK$64,356
−HK$1,973/mo
Today · 4.125%
HK$66,329
baseline
▲ 0.50% · 4.625%
HK$70,365
+HK$4,036/mo
Deposit HK$5.87M · loan HK$13.69M · min. income ≈ HK$132,658/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$733,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,436
−HK$3,751/mo
▼ 0.25% · 3.875%
HK$71,298
−HK$1,889/mo
Today · 4.125%
HK$73,187
baseline
▲ 0.50% · 4.625%
HK$77,045
+HK$3,858/mo
Deposit HK$5.87M · loan HK$13.69M · min. income ≈ HK$146,374/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$733,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,247
−HK$5,033/mo
▼ 0.25% · 3.875%
HK$82,744
−HK$2,536/mo
Today · 4.125%
HK$85,280
baseline
▲ 0.50% · 4.625%
HK$90,469
+HK$5,189/mo
Deposit HK$1.96M · loan HK$17.60M · min. income ≈ HK$170,560/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$733,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,274
−HK$4,824/mo
▼ 0.25% · 3.875%
HK$91,669
−HK$2,429/mo
Today · 4.125%
HK$94,098
baseline
▲ 0.50% · 4.625%
HK$99,058
+HK$4,960/mo
Deposit HK$1.96M · loan HK$17.60M · min. income ≈ HK$188,196/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$733,173 · Scale 2, in force from 26 Feb 2026)