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$44,715
−HK$2,804/mo
▼ 0.25% · 3.875%
HK$46,106
−HK$1,413/mo
Today · 4.125%
HK$47,519
baseline
▲ 0.50% · 4.625%
HK$50,411
+HK$2,892/mo
Deposit HK$9.80M · loan HK$9.80M · min. income ≈ HK$95,038/mo (50% DSR)
Upfront cash ≈ HK$10.54M (deposit + AVD stamp duty HK$735,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,745
−HK$2,688/mo
▼ 0.25% · 3.875%
HK$51,080
−HK$1,353/mo
Today · 4.125%
HK$52,433
baseline
▲ 0.50% · 4.625%
HK$55,197
+HK$2,764/mo
Deposit HK$9.80M · loan HK$9.80M · min. income ≈ HK$104,866/mo (50% DSR)
Upfront cash ≈ HK$10.54M (deposit + AVD stamp duty HK$735,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,658
−HK$3,365/mo
▼ 0.25% · 3.875%
HK$55,328
−HK$1,695/mo
Today · 4.125%
HK$57,023
baseline
▲ 0.50% · 4.625%
HK$60,493
+HK$3,470/mo
Deposit HK$7.84M · loan HK$11.77M · min. income ≈ HK$114,046/mo (50% DSR)
Upfront cash ≈ HK$8.58M (deposit + AVD stamp duty HK$735,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,695
−HK$3,225/mo
▼ 0.25% · 3.875%
HK$61,295
−HK$1,625/mo
Today · 4.125%
HK$62,920
baseline
▲ 0.50% · 4.625%
HK$66,236
+HK$3,316/mo
Deposit HK$7.84M · loan HK$11.77M · min. income ≈ HK$125,840/mo (50% DSR)
Upfront cash ≈ HK$8.58M (deposit + AVD stamp duty HK$735,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,602
−HK$3,925/mo
▼ 0.25% · 3.875%
HK$64,549
−HK$1,978/mo
Today · 4.125%
HK$66,527
baseline
▲ 0.50% · 4.625%
HK$70,575
+HK$4,048/mo
Deposit HK$5.88M · loan HK$13.73M · min. income ≈ HK$133,054/mo (50% DSR)
Upfront cash ≈ HK$6.62M (deposit + AVD stamp duty HK$735,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,644
−HK$3,762/mo
▼ 0.25% · 3.875%
HK$71,511
−HK$1,895/mo
Today · 4.125%
HK$73,406
baseline
▲ 0.50% · 4.625%
HK$77,276
+HK$3,870/mo
Deposit HK$5.88M · loan HK$13.73M · min. income ≈ HK$146,812/mo (50% DSR)
Upfront cash ≈ HK$6.62M (deposit + AVD stamp duty HK$735,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,488
−HK$5,047/mo
▼ 0.25% · 3.875%
HK$82,991
−HK$2,544/mo
Today · 4.125%
HK$85,535
baseline
▲ 0.50% · 4.625%
HK$90,740
+HK$5,205/mo
Deposit HK$1.96M · loan HK$17.65M · min. income ≈ HK$171,070/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$735,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,542
−HK$4,837/mo
▼ 0.25% · 3.875%
HK$91,943
−HK$2,436/mo
Today · 4.125%
HK$94,379
baseline
▲ 0.50% · 4.625%
HK$99,354
+HK$4,975/mo
Deposit HK$1.96M · loan HK$17.65M · min. income ≈ HK$188,758/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$735,368 · Scale 2, in force from 26 Feb 2026)