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$44,581
−HK$2,795/mo
▼ 0.25% · 3.875%
HK$45,967
−HK$1,409/mo
Today · 4.125%
HK$47,376
baseline
▲ 0.50% · 4.625%
HK$50,259
+HK$2,883/mo
Deposit HK$9.78M · loan HK$9.78M · min. income ≈ HK$94,752/mo (50% DSR)
Upfront cash ≈ HK$10.51M (deposit + AVD stamp duty HK$733,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,596
−HK$2,679/mo
▼ 0.25% · 3.875%
HK$50,926
−HK$1,349/mo
Today · 4.125%
HK$52,275
baseline
▲ 0.50% · 4.625%
HK$55,031
+HK$2,756/mo
Deposit HK$9.78M · loan HK$9.78M · min. income ≈ HK$104,550/mo (50% DSR)
Upfront cash ≈ HK$10.51M (deposit + AVD stamp duty HK$733,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,497
−HK$3,355/mo
▼ 0.25% · 3.875%
HK$55,161
−HK$1,691/mo
Today · 4.125%
HK$56,852
baseline
▲ 0.50% · 4.625%
HK$60,311
+HK$3,459/mo
Deposit HK$7.82M · loan HK$11.73M · min. income ≈ HK$113,704/mo (50% DSR)
Upfront cash ≈ HK$8.55M (deposit + AVD stamp duty HK$733,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,515
−HK$3,215/mo
▼ 0.25% · 3.875%
HK$61,111
−HK$1,619/mo
Today · 4.125%
HK$62,730
baseline
▲ 0.50% · 4.625%
HK$66,037
+HK$3,307/mo
Deposit HK$7.82M · loan HK$11.73M · min. income ≈ HK$125,460/mo (50% DSR)
Upfront cash ≈ HK$8.55M (deposit + AVD stamp duty HK$733,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,413
−HK$3,914/mo
▼ 0.25% · 3.875%
HK$64,354
−HK$1,973/mo
Today · 4.125%
HK$66,327
baseline
▲ 0.50% · 4.625%
HK$70,363
+HK$4,036/mo
Deposit HK$5.87M · loan HK$13.69M · min. income ≈ HK$132,654/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$733,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,434
−HK$3,751/mo
▼ 0.25% · 3.875%
HK$71,296
−HK$1,889/mo
Today · 4.125%
HK$73,185
baseline
▲ 0.50% · 4.625%
HK$77,043
+HK$3,858/mo
Deposit HK$5.87M · loan HK$13.69M · min. income ≈ HK$146,370/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$733,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,245
−HK$5,032/mo
▼ 0.25% · 3.875%
HK$82,741
−HK$2,536/mo
Today · 4.125%
HK$85,277
baseline
▲ 0.50% · 4.625%
HK$90,466
+HK$5,189/mo
Deposit HK$1.96M · loan HK$17.60M · min. income ≈ HK$170,554/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$733,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,272
−HK$4,823/mo
▼ 0.25% · 3.875%
HK$91,666
−HK$2,429/mo
Today · 4.125%
HK$94,095
baseline
▲ 0.50% · 4.625%
HK$99,055
+HK$4,960/mo
Deposit HK$1.96M · loan HK$17.60M · min. income ≈ HK$188,190/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$733,153 · Scale 2, in force from 26 Feb 2026)