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$44,588
−HK$2,796/mo
▼ 0.25% · 3.875%
HK$45,975
−HK$1,409/mo
Today · 4.125%
HK$47,384
baseline
▲ 0.50% · 4.625%
HK$50,268
+HK$2,884/mo
Deposit HK$9.78M · loan HK$9.78M · min. income ≈ HK$94,768/mo (50% DSR)
Upfront cash ≈ HK$10.51M (deposit + AVD stamp duty HK$733,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,604
−HK$2,680/mo
▼ 0.25% · 3.875%
HK$50,934
−HK$1,350/mo
Today · 4.125%
HK$52,284
baseline
▲ 0.50% · 4.625%
HK$55,040
+HK$2,756/mo
Deposit HK$9.78M · loan HK$9.78M · min. income ≈ HK$104,568/mo (50% DSR)
Upfront cash ≈ HK$10.51M (deposit + AVD stamp duty HK$733,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,506
−HK$3,355/mo
▼ 0.25% · 3.875%
HK$55,170
−HK$1,691/mo
Today · 4.125%
HK$56,861
baseline
▲ 0.50% · 4.625%
HK$60,321
+HK$3,460/mo
Deposit HK$7.82M · loan HK$11.73M · min. income ≈ HK$113,722/mo (50% DSR)
Upfront cash ≈ HK$8.55M (deposit + AVD stamp duty HK$733,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,525
−HK$3,216/mo
▼ 0.25% · 3.875%
HK$61,121
−HK$1,620/mo
Today · 4.125%
HK$62,741
baseline
▲ 0.50% · 4.625%
HK$66,048
+HK$3,307/mo
Deposit HK$7.82M · loan HK$11.73M · min. income ≈ HK$125,482/mo (50% DSR)
Upfront cash ≈ HK$8.55M (deposit + AVD stamp duty HK$733,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,424
−HK$3,914/mo
▼ 0.25% · 3.875%
HK$64,365
−HK$1,973/mo
Today · 4.125%
HK$66,338
baseline
▲ 0.50% · 4.625%
HK$70,375
+HK$4,037/mo
Deposit HK$5.87M · loan HK$13.69M · min. income ≈ HK$132,676/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$733,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,446
−HK$3,752/mo
▼ 0.25% · 3.875%
HK$71,308
−HK$1,890/mo
Today · 4.125%
HK$73,198
baseline
▲ 0.50% · 4.625%
HK$77,056
+HK$3,858/mo
Deposit HK$5.87M · loan HK$13.69M · min. income ≈ HK$146,396/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$733,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,259
−HK$5,033/mo
▼ 0.25% · 3.875%
HK$82,755
−HK$2,537/mo
Today · 4.125%
HK$85,292
baseline
▲ 0.50% · 4.625%
HK$90,482
+HK$5,190/mo
Deposit HK$1.96M · loan HK$17.60M · min. income ≈ HK$170,584/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$733,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,287
−HK$4,824/mo
▼ 0.25% · 3.875%
HK$91,682
−HK$2,429/mo
Today · 4.125%
HK$94,111
baseline
▲ 0.50% · 4.625%
HK$99,072
+HK$4,961/mo
Deposit HK$1.96M · loan HK$17.60M · min. income ≈ HK$188,222/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$733,277 · Scale 2, in force from 26 Feb 2026)