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$44,426
−HK$2,786/mo
▼ 0.25% · 3.875%
HK$45,808
−HK$1,404/mo
Today · 4.125%
HK$47,212
baseline
▲ 0.50% · 4.625%
HK$50,084
+HK$2,872/mo
Deposit HK$9.74M · loan HK$9.74M · min. income ≈ HK$94,424/mo (50% DSR)
Upfront cash ≈ HK$10.47M (deposit + AVD stamp duty HK$730,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,423
−HK$2,670/mo
▼ 0.25% · 3.875%
HK$50,749
−HK$1,344/mo
Today · 4.125%
HK$52,093
baseline
▲ 0.50% · 4.625%
HK$54,839
+HK$2,746/mo
Deposit HK$9.74M · loan HK$9.74M · min. income ≈ HK$104,186/mo (50% DSR)
Upfront cash ≈ HK$10.47M (deposit + AVD stamp duty HK$730,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,311
−HK$3,343/mo
▼ 0.25% · 3.875%
HK$54,969
−HK$1,685/mo
Today · 4.125%
HK$56,654
baseline
▲ 0.50% · 4.625%
HK$60,101
+HK$3,447/mo
Deposit HK$7.79M · loan HK$11.69M · min. income ≈ HK$113,308/mo (50% DSR)
Upfront cash ≈ HK$8.52M (deposit + AVD stamp duty HK$730,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,308
−HK$3,204/mo
▼ 0.25% · 3.875%
HK$60,898
−HK$1,614/mo
Today · 4.125%
HK$62,512
baseline
▲ 0.50% · 4.625%
HK$65,807
+HK$3,295/mo
Deposit HK$7.79M · loan HK$11.69M · min. income ≈ HK$125,024/mo (50% DSR)
Upfront cash ≈ HK$8.52M (deposit + AVD stamp duty HK$730,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,196
−HK$3,900/mo
▼ 0.25% · 3.875%
HK$64,131
−HK$1,965/mo
Today · 4.125%
HK$66,096
baseline
▲ 0.50% · 4.625%
HK$70,118
+HK$4,022/mo
Deposit HK$5.84M · loan HK$13.64M · min. income ≈ HK$132,192/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$730,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,192
−HK$3,739/mo
▼ 0.25% · 3.875%
HK$71,048
−HK$1,883/mo
Today · 4.125%
HK$72,931
baseline
▲ 0.50% · 4.625%
HK$76,775
+HK$3,844/mo
Deposit HK$5.84M · loan HK$13.64M · min. income ≈ HK$145,862/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$730,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,966
−HK$5,015/mo
▼ 0.25% · 3.875%
HK$82,454
−HK$2,527/mo
Today · 4.125%
HK$84,981
baseline
▲ 0.50% · 4.625%
HK$90,152
+HK$5,171/mo
Deposit HK$1.95M · loan HK$17.53M · min. income ≈ HK$169,962/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$730,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,962
−HK$4,806/mo
▼ 0.25% · 3.875%
HK$91,348
−HK$2,420/mo
Today · 4.125%
HK$93,768
baseline
▲ 0.50% · 4.625%
HK$98,711
+HK$4,943/mo
Deposit HK$1.95M · loan HK$17.53M · min. income ≈ HK$187,536/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$730,605 · Scale 2, in force from 26 Feb 2026)