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$44,424
−HK$2,786/mo
▼ 0.25% · 3.875%
HK$45,806
−HK$1,404/mo
Today · 4.125%
HK$47,210
baseline
▲ 0.50% · 4.625%
HK$50,083
+HK$2,873/mo
Deposit HK$9.74M · loan HK$9.74M · min. income ≈ HK$94,420/mo (50% DSR)
Upfront cash ≈ HK$10.47M (deposit + AVD stamp duty HK$730,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,421
−HK$2,671/mo
▼ 0.25% · 3.875%
HK$50,747
−HK$1,345/mo
Today · 4.125%
HK$52,092
baseline
▲ 0.50% · 4.625%
HK$54,837
+HK$2,745/mo
Deposit HK$9.74M · loan HK$9.74M · min. income ≈ HK$104,184/mo (50% DSR)
Upfront cash ≈ HK$10.47M (deposit + AVD stamp duty HK$730,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,309
−HK$3,343/mo
▼ 0.25% · 3.875%
HK$54,967
−HK$1,685/mo
Today · 4.125%
HK$56,652
baseline
▲ 0.50% · 4.625%
HK$60,099
+HK$3,447/mo
Deposit HK$7.79M · loan HK$11.69M · min. income ≈ HK$113,304/mo (50% DSR)
Upfront cash ≈ HK$8.52M (deposit + AVD stamp duty HK$730,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,306
−HK$3,204/mo
▼ 0.25% · 3.875%
HK$60,896
−HK$1,614/mo
Today · 4.125%
HK$62,510
baseline
▲ 0.50% · 4.625%
HK$65,805
+HK$3,295/mo
Deposit HK$7.79M · loan HK$11.69M · min. income ≈ HK$125,020/mo (50% DSR)
Upfront cash ≈ HK$8.52M (deposit + AVD stamp duty HK$730,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,194
−HK$3,900/mo
▼ 0.25% · 3.875%
HK$64,128
−HK$1,966/mo
Today · 4.125%
HK$66,094
baseline
▲ 0.50% · 4.625%
HK$70,116
+HK$4,022/mo
Deposit HK$5.84M · loan HK$13.64M · min. income ≈ HK$132,188/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$730,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,190
−HK$3,738/mo
▼ 0.25% · 3.875%
HK$71,046
−HK$1,882/mo
Today · 4.125%
HK$72,928
baseline
▲ 0.50% · 4.625%
HK$76,772
+HK$3,844/mo
Deposit HK$5.84M · loan HK$13.64M · min. income ≈ HK$145,856/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$730,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,964
−HK$5,014/mo
▼ 0.25% · 3.875%
HK$82,451
−HK$2,527/mo
Today · 4.125%
HK$84,978
baseline
▲ 0.50% · 4.625%
HK$90,149
+HK$5,171/mo
Deposit HK$1.95M · loan HK$17.53M · min. income ≈ HK$169,956/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$730,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,959
−HK$4,806/mo
▼ 0.25% · 3.875%
HK$91,344
−HK$2,421/mo
Today · 4.125%
HK$93,765
baseline
▲ 0.50% · 4.625%
HK$98,707
+HK$4,942/mo
Deposit HK$1.95M · loan HK$17.53M · min. income ≈ HK$187,530/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$730,580 · Scale 2, in force from 26 Feb 2026)