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$44,759
−HK$2,806/mo
▼ 0.25% · 3.875%
HK$46,151
−HK$1,414/mo
Today · 4.125%
HK$47,565
baseline
▲ 0.50% · 4.625%
HK$50,460
+HK$2,895/mo
Deposit HK$9.81M · loan HK$9.81M · min. income ≈ HK$95,130/mo (50% DSR)
Upfront cash ≈ HK$10.55M (deposit + AVD stamp duty HK$736,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,793
−HK$2,691/mo
▼ 0.25% · 3.875%
HK$51,129
−HK$1,355/mo
Today · 4.125%
HK$52,484
baseline
▲ 0.50% · 4.625%
HK$55,250
+HK$2,766/mo
Deposit HK$9.81M · loan HK$9.81M · min. income ≈ HK$104,968/mo (50% DSR)
Upfront cash ≈ HK$10.55M (deposit + AVD stamp duty HK$736,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,710
−HK$3,368/mo
▼ 0.25% · 3.875%
HK$55,381
−HK$1,697/mo
Today · 4.125%
HK$57,078
baseline
▲ 0.50% · 4.625%
HK$60,551
+HK$3,473/mo
Deposit HK$7.85M · loan HK$11.78M · min. income ≈ HK$114,156/mo (50% DSR)
Upfront cash ≈ HK$8.59M (deposit + AVD stamp duty HK$736,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,752
−HK$3,228/mo
▼ 0.25% · 3.875%
HK$61,355
−HK$1,625/mo
Today · 4.125%
HK$62,980
baseline
▲ 0.50% · 4.625%
HK$66,300
+HK$3,320/mo
Deposit HK$7.85M · loan HK$11.78M · min. income ≈ HK$125,960/mo (50% DSR)
Upfront cash ≈ HK$8.59M (deposit + AVD stamp duty HK$736,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,662
−HK$3,929/mo
▼ 0.25% · 3.875%
HK$64,611
−HK$1,980/mo
Today · 4.125%
HK$66,591
baseline
▲ 0.50% · 4.625%
HK$70,643
+HK$4,052/mo
Deposit HK$5.89M · loan HK$13.74M · min. income ≈ HK$133,182/mo (50% DSR)
Upfront cash ≈ HK$6.62M (deposit + AVD stamp duty HK$736,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,711
−HK$3,766/mo
▼ 0.25% · 3.875%
HK$71,580
−HK$1,897/mo
Today · 4.125%
HK$73,477
baseline
▲ 0.50% · 4.625%
HK$77,350
+HK$3,873/mo
Deposit HK$5.89M · loan HK$13.74M · min. income ≈ HK$146,954/mo (50% DSR)
Upfront cash ≈ HK$6.62M (deposit + AVD stamp duty HK$736,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,565
−HK$5,053/mo
▼ 0.25% · 3.875%
HK$83,071
−HK$2,547/mo
Today · 4.125%
HK$85,618
baseline
▲ 0.50% · 4.625%
HK$90,827
+HK$5,209/mo
Deposit HK$1.96M · loan HK$17.67M · min. income ≈ HK$171,236/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$736,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,628
−HK$4,843/mo
▼ 0.25% · 3.875%
HK$92,032
−HK$2,439/mo
Today · 4.125%
HK$94,471
baseline
▲ 0.50% · 4.625%
HK$99,450
+HK$4,979/mo
Deposit HK$1.96M · loan HK$17.67M · min. income ≈ HK$188,942/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$736,078 · Scale 2, in force from 26 Feb 2026)