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$44,775
−HK$2,808/mo
▼ 0.25% · 3.875%
HK$46,168
−HK$1,415/mo
Today · 4.125%
HK$47,583
baseline
▲ 0.50% · 4.625%
HK$50,478
+HK$2,895/mo
Deposit HK$9.82M · loan HK$9.82M · min. income ≈ HK$95,166/mo (50% DSR)
Upfront cash ≈ HK$10.55M (deposit + AVD stamp duty HK$736,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,812
−HK$2,691/mo
▼ 0.25% · 3.875%
HK$51,148
−HK$1,355/mo
Today · 4.125%
HK$52,503
baseline
▲ 0.50% · 4.625%
HK$55,270
+HK$2,767/mo
Deposit HK$9.82M · loan HK$9.82M · min. income ≈ HK$105,006/mo (50% DSR)
Upfront cash ≈ HK$10.55M (deposit + AVD stamp duty HK$736,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,730
−HK$3,369/mo
▼ 0.25% · 3.875%
HK$55,401
−HK$1,698/mo
Today · 4.125%
HK$57,099
baseline
▲ 0.50% · 4.625%
HK$60,574
+HK$3,475/mo
Deposit HK$7.85M · loan HK$11.78M · min. income ≈ HK$114,198/mo (50% DSR)
Upfront cash ≈ HK$8.59M (deposit + AVD stamp duty HK$736,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,774
−HK$3,230/mo
▼ 0.25% · 3.875%
HK$61,377
−HK$1,627/mo
Today · 4.125%
HK$63,004
baseline
▲ 0.50% · 4.625%
HK$66,325
+HK$3,321/mo
Deposit HK$7.85M · loan HK$11.78M · min. income ≈ HK$126,008/mo (50% DSR)
Upfront cash ≈ HK$8.59M (deposit + AVD stamp duty HK$736,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,685
−HK$3,931/mo
▼ 0.25% · 3.875%
HK$64,635
−HK$1,981/mo
Today · 4.125%
HK$66,616
baseline
▲ 0.50% · 4.625%
HK$70,669
+HK$4,053/mo
Deposit HK$5.89M · loan HK$13.75M · min. income ≈ HK$133,232/mo (50% DSR)
Upfront cash ≈ HK$6.63M (deposit + AVD stamp duty HK$736,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,737
−HK$3,767/mo
▼ 0.25% · 3.875%
HK$71,607
−HK$1,897/mo
Today · 4.125%
HK$73,504
baseline
▲ 0.50% · 4.625%
HK$77,379
+HK$3,875/mo
Deposit HK$5.89M · loan HK$13.75M · min. income ≈ HK$147,008/mo (50% DSR)
Upfront cash ≈ HK$6.63M (deposit + AVD stamp duty HK$736,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,595
−HK$5,054/mo
▼ 0.25% · 3.875%
HK$83,102
−HK$2,547/mo
Today · 4.125%
HK$85,649
baseline
▲ 0.50% · 4.625%
HK$90,861
+HK$5,212/mo
Deposit HK$1.96M · loan HK$17.67M · min. income ≈ HK$171,298/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$736,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,661
−HK$4,844/mo
▼ 0.25% · 3.875%
HK$92,066
−HK$2,439/mo
Today · 4.125%
HK$94,505
baseline
▲ 0.50% · 4.625%
HK$99,487
+HK$4,982/mo
Deposit HK$1.96M · loan HK$17.67M · min. income ≈ HK$189,010/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$736,349 · Scale 2, in force from 26 Feb 2026)