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$44,422
−HK$2,786/mo
▼ 0.25% · 3.875%
HK$45,804
−HK$1,404/mo
Today · 4.125%
HK$47,208
baseline
▲ 0.50% · 4.625%
HK$50,080
+HK$2,872/mo
Deposit HK$9.74M · loan HK$9.74M · min. income ≈ HK$94,416/mo (50% DSR)
Upfront cash ≈ HK$10.47M (deposit + AVD stamp duty HK$730,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,419
−HK$2,670/mo
▼ 0.25% · 3.875%
HK$50,745
−HK$1,344/mo
Today · 4.125%
HK$52,089
baseline
▲ 0.50% · 4.625%
HK$54,835
+HK$2,746/mo
Deposit HK$9.74M · loan HK$9.74M · min. income ≈ HK$104,178/mo (50% DSR)
Upfront cash ≈ HK$10.47M (deposit + AVD stamp duty HK$730,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,307
−HK$3,342/mo
▼ 0.25% · 3.875%
HK$54,965
−HK$1,684/mo
Today · 4.125%
HK$56,649
baseline
▲ 0.50% · 4.625%
HK$60,096
+HK$3,447/mo
Deposit HK$7.79M · loan HK$11.69M · min. income ≈ HK$113,298/mo (50% DSR)
Upfront cash ≈ HK$8.52M (deposit + AVD stamp duty HK$730,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,303
−HK$3,204/mo
▼ 0.25% · 3.875%
HK$60,893
−HK$1,614/mo
Today · 4.125%
HK$62,507
baseline
▲ 0.50% · 4.625%
HK$65,802
+HK$3,295/mo
Deposit HK$7.79M · loan HK$11.69M · min. income ≈ HK$125,014/mo (50% DSR)
Upfront cash ≈ HK$8.52M (deposit + AVD stamp duty HK$730,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,191
−HK$3,900/mo
▼ 0.25% · 3.875%
HK$64,125
−HK$1,966/mo
Today · 4.125%
HK$66,091
baseline
▲ 0.50% · 4.625%
HK$70,112
+HK$4,021/mo
Deposit HK$5.84M · loan HK$13.64M · min. income ≈ HK$132,182/mo (50% DSR)
Upfront cash ≈ HK$6.57M (deposit + AVD stamp duty HK$730,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,187
−HK$3,738/mo
▼ 0.25% · 3.875%
HK$71,042
−HK$1,883/mo
Today · 4.125%
HK$72,925
baseline
▲ 0.50% · 4.625%
HK$76,769
+HK$3,844/mo
Deposit HK$5.84M · loan HK$13.64M · min. income ≈ HK$145,850/mo (50% DSR)
Upfront cash ≈ HK$6.57M (deposit + AVD stamp duty HK$730,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,960
−HK$5,014/mo
▼ 0.25% · 3.875%
HK$82,447
−HK$2,527/mo
Today · 4.125%
HK$84,974
baseline
▲ 0.50% · 4.625%
HK$90,144
+HK$5,170/mo
Deposit HK$1.95M · loan HK$17.53M · min. income ≈ HK$169,948/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$730,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,954
−HK$4,806/mo
▼ 0.25% · 3.875%
HK$91,340
−HK$2,420/mo
Today · 4.125%
HK$93,760
baseline
▲ 0.50% · 4.625%
HK$98,703
+HK$4,943/mo
Deposit HK$1.95M · loan HK$17.53M · min. income ≈ HK$187,520/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$730,545 · Scale 2, in force from 26 Feb 2026)