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$44,795
−HK$2,809/mo
▼ 0.25% · 3.875%
HK$46,188
−HK$1,416/mo
Today · 4.125%
HK$47,604
baseline
▲ 0.50% · 4.625%
HK$50,500
+HK$2,896/mo
Deposit HK$9.82M · loan HK$9.82M · min. income ≈ HK$95,208/mo (50% DSR)
Upfront cash ≈ HK$10.56M (deposit + AVD stamp duty HK$736,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,834
−HK$2,692/mo
▼ 0.25% · 3.875%
HK$51,170
−HK$1,356/mo
Today · 4.125%
HK$52,526
baseline
▲ 0.50% · 4.625%
HK$55,295
+HK$2,769/mo
Deposit HK$9.82M · loan HK$9.82M · min. income ≈ HK$105,052/mo (50% DSR)
Upfront cash ≈ HK$10.56M (deposit + AVD stamp duty HK$736,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,754
−HK$3,370/mo
▼ 0.25% · 3.875%
HK$55,426
−HK$1,698/mo
Today · 4.125%
HK$57,124
baseline
▲ 0.50% · 4.625%
HK$60,600
+HK$3,476/mo
Deposit HK$7.86M · loan HK$11.79M · min. income ≈ HK$114,248/mo (50% DSR)
Upfront cash ≈ HK$8.59M (deposit + AVD stamp duty HK$736,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,800
−HK$3,231/mo
▼ 0.25% · 3.875%
HK$61,404
−HK$1,627/mo
Today · 4.125%
HK$63,031
baseline
▲ 0.50% · 4.625%
HK$66,354
+HK$3,323/mo
Deposit HK$7.86M · loan HK$11.79M · min. income ≈ HK$126,062/mo (50% DSR)
Upfront cash ≈ HK$8.59M (deposit + AVD stamp duty HK$736,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,712
−HK$3,933/mo
▼ 0.25% · 3.875%
HK$64,663
−HK$1,982/mo
Today · 4.125%
HK$66,645
baseline
▲ 0.50% · 4.625%
HK$70,700
+HK$4,055/mo
Deposit HK$5.89M · loan HK$13.75M · min. income ≈ HK$133,290/mo (50% DSR)
Upfront cash ≈ HK$6.63M (deposit + AVD stamp duty HK$736,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,767
−HK$3,769/mo
▼ 0.25% · 3.875%
HK$71,638
−HK$1,898/mo
Today · 4.125%
HK$73,536
baseline
▲ 0.50% · 4.625%
HK$77,412
+HK$3,876/mo
Deposit HK$5.89M · loan HK$13.75M · min. income ≈ HK$147,072/mo (50% DSR)
Upfront cash ≈ HK$6.63M (deposit + AVD stamp duty HK$736,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,630
−HK$5,057/mo
▼ 0.25% · 3.875%
HK$83,138
−HK$2,549/mo
Today · 4.125%
HK$85,687
baseline
▲ 0.50% · 4.625%
HK$90,900
+HK$5,213/mo
Deposit HK$1.96M · loan HK$17.68M · min. income ≈ HK$171,374/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$736,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,700
−HK$4,847/mo
▼ 0.25% · 3.875%
HK$92,106
−HK$2,441/mo
Today · 4.125%
HK$94,547
baseline
▲ 0.50% · 4.625%
HK$99,530
+HK$4,983/mo
Deposit HK$1.96M · loan HK$17.68M · min. income ≈ HK$189,094/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$736,671 · Scale 2, in force from 26 Feb 2026)