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$44,512
−HK$2,792/mo
▼ 0.25% · 3.875%
HK$45,897
−HK$1,407/mo
Today · 4.125%
HK$47,304
baseline
▲ 0.50% · 4.625%
HK$50,182
+HK$2,878/mo
Deposit HK$9.76M · loan HK$9.76M · min. income ≈ HK$94,608/mo (50% DSR)
Upfront cash ≈ HK$10.49M (deposit + AVD stamp duty HK$732,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,519
−HK$2,676/mo
▼ 0.25% · 3.875%
HK$50,848
−HK$1,347/mo
Today · 4.125%
HK$52,195
baseline
▲ 0.50% · 4.625%
HK$54,946
+HK$2,751/mo
Deposit HK$9.76M · loan HK$9.76M · min. income ≈ HK$104,390/mo (50% DSR)
Upfront cash ≈ HK$10.49M (deposit + AVD stamp duty HK$732,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,415
−HK$3,349/mo
▼ 0.25% · 3.875%
HK$55,076
−HK$1,688/mo
Today · 4.125%
HK$56,764
baseline
▲ 0.50% · 4.625%
HK$60,218
+HK$3,454/mo
Deposit HK$7.81M · loan HK$11.71M · min. income ≈ HK$113,528/mo (50% DSR)
Upfront cash ≈ HK$8.54M (deposit + AVD stamp duty HK$732,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,423
−HK$3,211/mo
▼ 0.25% · 3.875%
HK$61,017
−HK$1,617/mo
Today · 4.125%
HK$62,634
baseline
▲ 0.50% · 4.625%
HK$65,935
+HK$3,301/mo
Deposit HK$7.81M · loan HK$11.71M · min. income ≈ HK$125,268/mo (50% DSR)
Upfront cash ≈ HK$8.54M (deposit + AVD stamp duty HK$732,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,317
−HK$3,908/mo
▼ 0.25% · 3.875%
HK$64,256
−HK$1,969/mo
Today · 4.125%
HK$66,225
baseline
▲ 0.50% · 4.625%
HK$70,255
+HK$4,030/mo
Deposit HK$5.86M · loan HK$13.66M · min. income ≈ HK$132,450/mo (50% DSR)
Upfront cash ≈ HK$6.59M (deposit + AVD stamp duty HK$732,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,327
−HK$3,746/mo
▼ 0.25% · 3.875%
HK$71,187
−HK$1,886/mo
Today · 4.125%
HK$73,073
baseline
▲ 0.50% · 4.625%
HK$76,925
+HK$3,852/mo
Deposit HK$5.86M · loan HK$13.66M · min. income ≈ HK$146,146/mo (50% DSR)
Upfront cash ≈ HK$6.59M (deposit + AVD stamp duty HK$732,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,122
−HK$5,024/mo
▼ 0.25% · 3.875%
HK$82,614
−HK$2,532/mo
Today · 4.125%
HK$85,146
baseline
▲ 0.50% · 4.625%
HK$90,327
+HK$5,181/mo
Deposit HK$1.95M · loan HK$17.57M · min. income ≈ HK$170,292/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$732,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,135
−HK$4,816/mo
▼ 0.25% · 3.875%
HK$91,526
−HK$2,425/mo
Today · 4.125%
HK$93,951
baseline
▲ 0.50% · 4.625%
HK$98,903
+HK$4,952/mo
Deposit HK$1.95M · loan HK$17.57M · min. income ≈ HK$187,902/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$732,028 · Scale 2, in force from 26 Feb 2026)