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$44,420
−HK$2,785/mo
▼ 0.25% · 3.875%
HK$45,801
−HK$1,404/mo
Today · 4.125%
HK$47,205
baseline
▲ 0.50% · 4.625%
HK$50,078
+HK$2,873/mo
Deposit HK$9.74M · loan HK$9.74M · min. income ≈ HK$94,410/mo (50% DSR)
Upfront cash ≈ HK$10.47M (deposit + AVD stamp duty HK$730,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,417
−HK$2,669/mo
▼ 0.25% · 3.875%
HK$50,742
−HK$1,344/mo
Today · 4.125%
HK$52,086
baseline
▲ 0.50% · 4.625%
HK$54,832
+HK$2,746/mo
Deposit HK$9.74M · loan HK$9.74M · min. income ≈ HK$104,172/mo (50% DSR)
Upfront cash ≈ HK$10.47M (deposit + AVD stamp duty HK$730,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,304
−HK$3,342/mo
▼ 0.25% · 3.875%
HK$54,962
−HK$1,684/mo
Today · 4.125%
HK$56,646
baseline
▲ 0.50% · 4.625%
HK$60,093
+HK$3,447/mo
Deposit HK$7.79M · loan HK$11.69M · min. income ≈ HK$113,292/mo (50% DSR)
Upfront cash ≈ HK$8.52M (deposit + AVD stamp duty HK$730,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,300
−HK$3,204/mo
▼ 0.25% · 3.875%
HK$60,890
−HK$1,614/mo
Today · 4.125%
HK$62,504
baseline
▲ 0.50% · 4.625%
HK$65,798
+HK$3,294/mo
Deposit HK$7.79M · loan HK$11.69M · min. income ≈ HK$125,008/mo (50% DSR)
Upfront cash ≈ HK$8.52M (deposit + AVD stamp duty HK$730,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,188
−HK$3,899/mo
▼ 0.25% · 3.875%
HK$64,122
−HK$1,965/mo
Today · 4.125%
HK$66,087
baseline
▲ 0.50% · 4.625%
HK$70,109
+HK$4,022/mo
Deposit HK$5.84M · loan HK$13.64M · min. income ≈ HK$132,174/mo (50% DSR)
Upfront cash ≈ HK$6.57M (deposit + AVD stamp duty HK$730,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,183
−HK$3,738/mo
▼ 0.25% · 3.875%
HK$71,039
−HK$1,882/mo
Today · 4.125%
HK$72,921
baseline
▲ 0.50% · 4.625%
HK$76,765
+HK$3,844/mo
Deposit HK$5.84M · loan HK$13.64M · min. income ≈ HK$145,842/mo (50% DSR)
Upfront cash ≈ HK$6.57M (deposit + AVD stamp duty HK$730,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,956
−HK$5,014/mo
▼ 0.25% · 3.875%
HK$82,443
−HK$2,527/mo
Today · 4.125%
HK$84,970
baseline
▲ 0.50% · 4.625%
HK$90,140
+HK$5,170/mo
Deposit HK$1.95M · loan HK$17.53M · min. income ≈ HK$169,940/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$730,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,950
−HK$4,805/mo
▼ 0.25% · 3.875%
HK$91,335
−HK$2,420/mo
Today · 4.125%
HK$93,755
baseline
▲ 0.50% · 4.625%
HK$98,697
+HK$4,942/mo
Deposit HK$1.95M · loan HK$17.53M · min. income ≈ HK$187,510/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$730,507 · Scale 2, in force from 26 Feb 2026)