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$44,726
−HK$2,804/mo
▼ 0.25% · 3.875%
HK$46,117
−HK$1,413/mo
Today · 4.125%
HK$47,530
baseline
▲ 0.50% · 4.625%
HK$50,422
+HK$2,892/mo
Deposit HK$9.81M · loan HK$9.81M · min. income ≈ HK$95,060/mo (50% DSR)
Upfront cash ≈ HK$10.54M (deposit + AVD stamp duty HK$735,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,757
−HK$2,688/mo
▼ 0.25% · 3.875%
HK$51,091
−HK$1,354/mo
Today · 4.125%
HK$52,445
baseline
▲ 0.50% · 4.625%
HK$55,210
+HK$2,765/mo
Deposit HK$9.81M · loan HK$9.81M · min. income ≈ HK$104,890/mo (50% DSR)
Upfront cash ≈ HK$10.54M (deposit + AVD stamp duty HK$735,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,671
−HK$3,365/mo
▼ 0.25% · 3.875%
HK$55,340
−HK$1,696/mo
Today · 4.125%
HK$57,036
baseline
▲ 0.50% · 4.625%
HK$60,507
+HK$3,471/mo
Deposit HK$7.85M · loan HK$11.77M · min. income ≈ HK$114,072/mo (50% DSR)
Upfront cash ≈ HK$8.58M (deposit + AVD stamp duty HK$735,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,708
−HK$3,226/mo
▼ 0.25% · 3.875%
HK$61,310
−HK$1,624/mo
Today · 4.125%
HK$62,934
baseline
▲ 0.50% · 4.625%
HK$66,251
+HK$3,317/mo
Deposit HK$7.85M · loan HK$11.77M · min. income ≈ HK$125,868/mo (50% DSR)
Upfront cash ≈ HK$8.58M (deposit + AVD stamp duty HK$735,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,616
−HK$3,926/mo
▼ 0.25% · 3.875%
HK$64,564
−HK$1,978/mo
Today · 4.125%
HK$66,542
baseline
▲ 0.50% · 4.625%
HK$70,591
+HK$4,049/mo
Deposit HK$5.88M · loan HK$13.73M · min. income ≈ HK$133,084/mo (50% DSR)
Upfront cash ≈ HK$6.62M (deposit + AVD stamp duty HK$735,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,660
−HK$3,763/mo
▼ 0.25% · 3.875%
HK$71,528
−HK$1,895/mo
Today · 4.125%
HK$73,423
baseline
▲ 0.50% · 4.625%
HK$77,293
+HK$3,870/mo
Deposit HK$5.88M · loan HK$13.73M · min. income ≈ HK$146,846/mo (50% DSR)
Upfront cash ≈ HK$6.62M (deposit + AVD stamp duty HK$735,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,506
−HK$5,049/mo
▼ 0.25% · 3.875%
HK$83,010
−HK$2,545/mo
Today · 4.125%
HK$85,555
baseline
▲ 0.50% · 4.625%
HK$90,760
+HK$5,205/mo
Deposit HK$1.96M · loan HK$17.65M · min. income ≈ HK$171,110/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$735,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,562
−HK$4,839/mo
▼ 0.25% · 3.875%
HK$91,964
−HK$2,437/mo
Today · 4.125%
HK$94,401
baseline
▲ 0.50% · 4.625%
HK$99,377
+HK$4,976/mo
Deposit HK$1.96M · loan HK$17.65M · min. income ≈ HK$188,802/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$735,537 · Scale 2, in force from 26 Feb 2026)