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$44,803
−HK$2,810/mo
▼ 0.25% · 3.875%
HK$46,197
−HK$1,416/mo
Today · 4.125%
HK$47,613
baseline
▲ 0.50% · 4.625%
HK$50,510
+HK$2,897/mo
Deposit HK$9.82M · loan HK$9.82M · min. income ≈ HK$95,226/mo (50% DSR)
Upfront cash ≈ HK$10.56M (deposit + AVD stamp duty HK$736,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,843
−HK$2,693/mo
▼ 0.25% · 3.875%
HK$51,180
−HK$1,356/mo
Today · 4.125%
HK$52,536
baseline
▲ 0.50% · 4.625%
HK$55,305
+HK$2,769/mo
Deposit HK$9.82M · loan HK$9.82M · min. income ≈ HK$105,072/mo (50% DSR)
Upfront cash ≈ HK$10.56M (deposit + AVD stamp duty HK$736,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,764
−HK$3,371/mo
▼ 0.25% · 3.875%
HK$55,436
−HK$1,699/mo
Today · 4.125%
HK$57,135
baseline
▲ 0.50% · 4.625%
HK$60,612
+HK$3,477/mo
Deposit HK$7.86M · loan HK$11.79M · min. income ≈ HK$114,270/mo (50% DSR)
Upfront cash ≈ HK$8.60M (deposit + AVD stamp duty HK$736,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,812
−HK$3,231/mo
▼ 0.25% · 3.875%
HK$61,416
−HK$1,627/mo
Today · 4.125%
HK$63,043
baseline
▲ 0.50% · 4.625%
HK$66,366
+HK$3,323/mo
Deposit HK$7.86M · loan HK$11.79M · min. income ≈ HK$126,086/mo (50% DSR)
Upfront cash ≈ HK$8.60M (deposit + AVD stamp duty HK$736,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,725
−HK$3,933/mo
▼ 0.25% · 3.875%
HK$64,676
−HK$1,982/mo
Today · 4.125%
HK$66,658
baseline
▲ 0.50% · 4.625%
HK$70,714
+HK$4,056/mo
Deposit HK$5.89M · loan HK$13.75M · min. income ≈ HK$133,316/mo (50% DSR)
Upfront cash ≈ HK$6.63M (deposit + AVD stamp duty HK$736,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,781
−HK$3,770/mo
▼ 0.25% · 3.875%
HK$71,652
−HK$1,899/mo
Today · 4.125%
HK$73,551
baseline
▲ 0.50% · 4.625%
HK$77,427
+HK$3,876/mo
Deposit HK$5.89M · loan HK$13.75M · min. income ≈ HK$147,102/mo (50% DSR)
Upfront cash ≈ HK$6.63M (deposit + AVD stamp duty HK$736,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,646
−HK$5,057/mo
▼ 0.25% · 3.875%
HK$83,154
−HK$2,549/mo
Today · 4.125%
HK$85,703
baseline
▲ 0.50% · 4.625%
HK$90,918
+HK$5,215/mo
Deposit HK$1.96M · loan HK$17.68M · min. income ≈ HK$171,406/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$736,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,718
−HK$4,847/mo
▼ 0.25% · 3.875%
HK$92,124
−HK$2,441/mo
Today · 4.125%
HK$94,565
baseline
▲ 0.50% · 4.625%
HK$99,550
+HK$4,985/mo
Deposit HK$1.96M · loan HK$17.68M · min. income ≈ HK$189,130/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$736,814 · Scale 2, in force from 26 Feb 2026)