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$44,610
−HK$2,797/mo
▼ 0.25% · 3.875%
HK$45,998
−HK$1,409/mo
Today · 4.125%
HK$47,407
baseline
▲ 0.50% · 4.625%
HK$50,292
+HK$2,885/mo
Deposit HK$9.78M · loan HK$9.78M · min. income ≈ HK$94,814/mo (50% DSR)
Upfront cash ≈ HK$10.52M (deposit + AVD stamp duty HK$733,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,628
−HK$2,681/mo
▼ 0.25% · 3.875%
HK$50,959
−HK$1,350/mo
Today · 4.125%
HK$52,309
baseline
▲ 0.50% · 4.625%
HK$55,067
+HK$2,758/mo
Deposit HK$9.78M · loan HK$9.78M · min. income ≈ HK$104,618/mo (50% DSR)
Upfront cash ≈ HK$10.52M (deposit + AVD stamp duty HK$733,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,532
−HK$3,357/mo
▼ 0.25% · 3.875%
HK$55,197
−HK$1,692/mo
Today · 4.125%
HK$56,889
baseline
▲ 0.50% · 4.625%
HK$60,351
+HK$3,462/mo
Deposit HK$7.83M · loan HK$11.74M · min. income ≈ HK$113,778/mo (50% DSR)
Upfront cash ≈ HK$8.56M (deposit + AVD stamp duty HK$733,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,554
−HK$3,217/mo
▼ 0.25% · 3.875%
HK$61,151
−HK$1,620/mo
Today · 4.125%
HK$62,771
baseline
▲ 0.50% · 4.625%
HK$66,080
+HK$3,309/mo
Deposit HK$7.83M · loan HK$11.74M · min. income ≈ HK$125,542/mo (50% DSR)
Upfront cash ≈ HK$8.56M (deposit + AVD stamp duty HK$733,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,454
−HK$3,916/mo
▼ 0.25% · 3.875%
HK$64,397
−HK$1,973/mo
Today · 4.125%
HK$66,370
baseline
▲ 0.50% · 4.625%
HK$70,409
+HK$4,039/mo
Deposit HK$5.87M · loan HK$13.69M · min. income ≈ HK$132,740/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$733,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,479
−HK$3,754/mo
▼ 0.25% · 3.875%
HK$71,343
−HK$1,890/mo
Today · 4.125%
HK$73,233
baseline
▲ 0.50% · 4.625%
HK$77,093
+HK$3,860/mo
Deposit HK$5.87M · loan HK$13.69M · min. income ≈ HK$146,466/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$733,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,298
−HK$5,035/mo
▼ 0.25% · 3.875%
HK$82,796
−HK$2,537/mo
Today · 4.125%
HK$85,333
baseline
▲ 0.50% · 4.625%
HK$90,526
+HK$5,193/mo
Deposit HK$1.96M · loan HK$17.61M · min. income ≈ HK$170,666/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$733,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,331
−HK$4,826/mo
▼ 0.25% · 3.875%
HK$91,727
−HK$2,430/mo
Today · 4.125%
HK$94,157
baseline
▲ 0.50% · 4.625%
HK$99,120
+HK$4,963/mo
Deposit HK$1.96M · loan HK$17.61M · min. income ≈ HK$188,314/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$733,635 · Scale 2, in force from 26 Feb 2026)