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$44,821
−HK$2,811/mo
▼ 0.25% · 3.875%
HK$46,216
−HK$1,416/mo
Today · 4.125%
HK$47,632
baseline
▲ 0.50% · 4.625%
HK$50,530
+HK$2,898/mo
Deposit HK$9.83M · loan HK$9.83M · min. income ≈ HK$95,264/mo (50% DSR)
Upfront cash ≈ HK$10.57M (deposit + AVD stamp duty HK$737,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,863
−HK$2,694/mo
▼ 0.25% · 3.875%
HK$51,201
−HK$1,356/mo
Today · 4.125%
HK$52,557
baseline
▲ 0.50% · 4.625%
HK$55,328
+HK$2,771/mo
Deposit HK$9.83M · loan HK$9.83M · min. income ≈ HK$105,114/mo (50% DSR)
Upfront cash ≈ HK$10.57M (deposit + AVD stamp duty HK$737,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,786
−HK$3,372/mo
▼ 0.25% · 3.875%
HK$55,459
−HK$1,699/mo
Today · 4.125%
HK$57,158
baseline
▲ 0.50% · 4.625%
HK$60,636
+HK$3,478/mo
Deposit HK$7.86M · loan HK$11.79M · min. income ≈ HK$114,316/mo (50% DSR)
Upfront cash ≈ HK$8.60M (deposit + AVD stamp duty HK$737,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,836
−HK$3,233/mo
▼ 0.25% · 3.875%
HK$61,441
−HK$1,628/mo
Today · 4.125%
HK$63,069
baseline
▲ 0.50% · 4.625%
HK$66,393
+HK$3,324/mo
Deposit HK$7.86M · loan HK$11.79M · min. income ≈ HK$126,138/mo (50% DSR)
Upfront cash ≈ HK$8.60M (deposit + AVD stamp duty HK$737,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,750
−HK$3,935/mo
▼ 0.25% · 3.875%
HK$64,702
−HK$1,983/mo
Today · 4.125%
HK$66,685
baseline
▲ 0.50% · 4.625%
HK$70,742
+HK$4,057/mo
Deposit HK$5.90M · loan HK$13.76M · min. income ≈ HK$133,370/mo (50% DSR)
Upfront cash ≈ HK$6.63M (deposit + AVD stamp duty HK$737,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,809
−HK$3,771/mo
▼ 0.25% · 3.875%
HK$71,681
−HK$1,899/mo
Today · 4.125%
HK$73,580
baseline
▲ 0.50% · 4.625%
HK$77,459
+HK$3,879/mo
Deposit HK$5.90M · loan HK$13.76M · min. income ≈ HK$147,160/mo (50% DSR)
Upfront cash ≈ HK$6.63M (deposit + AVD stamp duty HK$737,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,678
−HK$5,060/mo
▼ 0.25% · 3.875%
HK$83,188
−HK$2,550/mo
Today · 4.125%
HK$85,738
baseline
▲ 0.50% · 4.625%
HK$90,955
+HK$5,217/mo
Deposit HK$1.97M · loan HK$17.69M · min. income ≈ HK$171,476/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$737,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,754
−HK$4,849/mo
▼ 0.25% · 3.875%
HK$92,161
−HK$2,442/mo
Today · 4.125%
HK$94,603
baseline
▲ 0.50% · 4.625%
HK$99,590
+HK$4,987/mo
Deposit HK$1.97M · loan HK$17.69M · min. income ≈ HK$189,206/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$737,110 · Scale 2, in force from 26 Feb 2026)