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$44,399
−HK$2,784/mo
▼ 0.25% · 3.875%
HK$45,780
−HK$1,403/mo
Today · 4.125%
HK$47,183
baseline
▲ 0.50% · 4.625%
HK$50,054
+HK$2,871/mo
Deposit HK$9.74M · loan HK$9.74M · min. income ≈ HK$94,366/mo (50% DSR)
Upfront cash ≈ HK$10.47M (deposit + AVD stamp duty HK$730,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,394
−HK$2,668/mo
▼ 0.25% · 3.875%
HK$50,718
−HK$1,344/mo
Today · 4.125%
HK$52,062
baseline
▲ 0.50% · 4.625%
HK$54,806
+HK$2,744/mo
Deposit HK$9.74M · loan HK$9.74M · min. income ≈ HK$104,124/mo (50% DSR)
Upfront cash ≈ HK$10.47M (deposit + AVD stamp duty HK$730,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,279
−HK$3,341/mo
▼ 0.25% · 3.875%
HK$54,936
−HK$1,684/mo
Today · 4.125%
HK$56,620
baseline
▲ 0.50% · 4.625%
HK$60,065
+HK$3,445/mo
Deposit HK$7.79M · loan HK$11.68M · min. income ≈ HK$113,240/mo (50% DSR)
Upfront cash ≈ HK$8.52M (deposit + AVD stamp duty HK$730,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,272
−HK$3,203/mo
▼ 0.25% · 3.875%
HK$60,862
−HK$1,613/mo
Today · 4.125%
HK$62,475
baseline
▲ 0.50% · 4.625%
HK$65,768
+HK$3,293/mo
Deposit HK$7.79M · loan HK$11.68M · min. income ≈ HK$124,950/mo (50% DSR)
Upfront cash ≈ HK$8.52M (deposit + AVD stamp duty HK$730,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,159
−HK$3,898/mo
▼ 0.25% · 3.875%
HK$64,092
−HK$1,965/mo
Today · 4.125%
HK$66,057
baseline
▲ 0.50% · 4.625%
HK$70,076
+HK$4,019/mo
Deposit HK$5.84M · loan HK$13.63M · min. income ≈ HK$132,114/mo (50% DSR)
Upfront cash ≈ HK$6.57M (deposit + AVD stamp duty HK$730,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,151
−HK$3,736/mo
▼ 0.25% · 3.875%
HK$71,006
−HK$1,881/mo
Today · 4.125%
HK$72,887
baseline
▲ 0.50% · 4.625%
HK$76,729
+HK$3,842/mo
Deposit HK$5.84M · loan HK$13.63M · min. income ≈ HK$145,774/mo (50% DSR)
Upfront cash ≈ HK$6.57M (deposit + AVD stamp duty HK$730,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,918
−HK$5,012/mo
▼ 0.25% · 3.875%
HK$82,404
−HK$2,526/mo
Today · 4.125%
HK$84,930
baseline
▲ 0.50% · 4.625%
HK$90,098
+HK$5,168/mo
Deposit HK$1.95M · loan HK$17.52M · min. income ≈ HK$169,860/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$730,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,908
−HK$4,804/mo
▼ 0.25% · 3.875%
HK$91,293
−HK$2,419/mo
Today · 4.125%
HK$93,712
baseline
▲ 0.50% · 4.625%
HK$98,652
+HK$4,940/mo
Deposit HK$1.95M · loan HK$17.52M · min. income ≈ HK$187,424/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$730,167 · Scale 2, in force from 26 Feb 2026)