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$44,413
−HK$2,785/mo
▼ 0.25% · 3.875%
HK$45,794
−HK$1,404/mo
Today · 4.125%
HK$47,198
baseline
▲ 0.50% · 4.625%
HK$50,070
+HK$2,872/mo
Deposit HK$9.74M · loan HK$9.74M · min. income ≈ HK$94,396/mo (50% DSR)
Upfront cash ≈ HK$10.47M (deposit + AVD stamp duty HK$730,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,409
−HK$2,669/mo
▼ 0.25% · 3.875%
HK$50,734
−HK$1,344/mo
Today · 4.125%
HK$52,078
baseline
▲ 0.50% · 4.625%
HK$54,824
+HK$2,746/mo
Deposit HK$9.74M · loan HK$9.74M · min. income ≈ HK$104,156/mo (50% DSR)
Upfront cash ≈ HK$10.47M (deposit + AVD stamp duty HK$730,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,296
−HK$3,342/mo
▼ 0.25% · 3.875%
HK$54,953
−HK$1,685/mo
Today · 4.125%
HK$56,638
baseline
▲ 0.50% · 4.625%
HK$60,084
+HK$3,446/mo
Deposit HK$7.79M · loan HK$11.69M · min. income ≈ HK$113,276/mo (50% DSR)
Upfront cash ≈ HK$8.52M (deposit + AVD stamp duty HK$730,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,291
−HK$3,203/mo
▼ 0.25% · 3.875%
HK$60,881
−HK$1,613/mo
Today · 4.125%
HK$62,494
baseline
▲ 0.50% · 4.625%
HK$65,788
+HK$3,294/mo
Deposit HK$7.79M · loan HK$11.69M · min. income ≈ HK$124,988/mo (50% DSR)
Upfront cash ≈ HK$8.52M (deposit + AVD stamp duty HK$730,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,178
−HK$3,899/mo
▼ 0.25% · 3.875%
HK$64,112
−HK$1,965/mo
Today · 4.125%
HK$66,077
baseline
▲ 0.50% · 4.625%
HK$70,098
+HK$4,021/mo
Deposit HK$5.84M · loan HK$13.63M · min. income ≈ HK$132,154/mo (50% DSR)
Upfront cash ≈ HK$6.57M (deposit + AVD stamp duty HK$730,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,173
−HK$3,737/mo
▼ 0.25% · 3.875%
HK$71,028
−HK$1,882/mo
Today · 4.125%
HK$72,910
baseline
▲ 0.50% · 4.625%
HK$76,753
+HK$3,843/mo
Deposit HK$5.84M · loan HK$13.63M · min. income ≈ HK$145,820/mo (50% DSR)
Upfront cash ≈ HK$6.57M (deposit + AVD stamp duty HK$730,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,943
−HK$5,013/mo
▼ 0.25% · 3.875%
HK$82,430
−HK$2,526/mo
Today · 4.125%
HK$84,956
baseline
▲ 0.50% · 4.625%
HK$90,126
+HK$5,170/mo
Deposit HK$1.95M · loan HK$17.53M · min. income ≈ HK$169,912/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$730,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,936
−HK$4,805/mo
▼ 0.25% · 3.875%
HK$91,321
−HK$2,420/mo
Today · 4.125%
HK$93,741
baseline
▲ 0.50% · 4.625%
HK$98,682
+HK$4,941/mo
Deposit HK$1.95M · loan HK$17.53M · min. income ≈ HK$187,482/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$730,395 · Scale 2, in force from 26 Feb 2026)