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$44,750
−HK$2,806/mo
▼ 0.25% · 3.875%
HK$46,142
−HK$1,414/mo
Today · 4.125%
HK$47,556
baseline
▲ 0.50% · 4.625%
HK$50,450
+HK$2,894/mo
Deposit HK$9.81M · loan HK$9.81M · min. income ≈ HK$95,112/mo (50% DSR)
Upfront cash ≈ HK$10.55M (deposit + AVD stamp duty HK$735,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,784
−HK$2,689/mo
▼ 0.25% · 3.875%
HK$51,119
−HK$1,354/mo
Today · 4.125%
HK$52,473
baseline
▲ 0.50% · 4.625%
HK$55,239
+HK$2,766/mo
Deposit HK$9.81M · loan HK$9.81M · min. income ≈ HK$104,946/mo (50% DSR)
Upfront cash ≈ HK$10.55M (deposit + AVD stamp duty HK$735,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,700
−HK$3,367/mo
▼ 0.25% · 3.875%
HK$55,370
−HK$1,697/mo
Today · 4.125%
HK$57,067
baseline
▲ 0.50% · 4.625%
HK$60,540
+HK$3,473/mo
Deposit HK$7.85M · loan HK$11.77M · min. income ≈ HK$114,134/mo (50% DSR)
Upfront cash ≈ HK$8.59M (deposit + AVD stamp duty HK$735,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,740
−HK$3,228/mo
▼ 0.25% · 3.875%
HK$61,343
−HK$1,625/mo
Today · 4.125%
HK$62,968
baseline
▲ 0.50% · 4.625%
HK$66,287
+HK$3,319/mo
Deposit HK$7.85M · loan HK$11.77M · min. income ≈ HK$125,936/mo (50% DSR)
Upfront cash ≈ HK$8.59M (deposit + AVD stamp duty HK$735,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,650
−HK$3,928/mo
▼ 0.25% · 3.875%
HK$64,598
−HK$1,980/mo
Today · 4.125%
HK$66,578
baseline
▲ 0.50% · 4.625%
HK$70,629
+HK$4,051/mo
Deposit HK$5.89M · loan HK$13.74M · min. income ≈ HK$133,156/mo (50% DSR)
Upfront cash ≈ HK$6.62M (deposit + AVD stamp duty HK$735,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,697
−HK$3,766/mo
▼ 0.25% · 3.875%
HK$71,566
−HK$1,897/mo
Today · 4.125%
HK$73,463
baseline
▲ 0.50% · 4.625%
HK$77,335
+HK$3,872/mo
Deposit HK$5.89M · loan HK$13.74M · min. income ≈ HK$146,926/mo (50% DSR)
Upfront cash ≈ HK$6.62M (deposit + AVD stamp duty HK$735,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,550
−HK$5,051/mo
▼ 0.25% · 3.875%
HK$83,055
−HK$2,546/mo
Today · 4.125%
HK$85,601
baseline
▲ 0.50% · 4.625%
HK$90,809
+HK$5,208/mo
Deposit HK$1.96M · loan HK$17.66M · min. income ≈ HK$171,202/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$735,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,611
−HK$4,841/mo
▼ 0.25% · 3.875%
HK$92,014
−HK$2,438/mo
Today · 4.125%
HK$94,452
baseline
▲ 0.50% · 4.625%
HK$99,431
+HK$4,979/mo
Deposit HK$1.96M · loan HK$17.66M · min. income ≈ HK$188,904/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$735,933 · Scale 2, in force from 26 Feb 2026)