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$44,728
−HK$2,804/mo
▼ 0.25% · 3.875%
HK$46,119
−HK$1,413/mo
Today · 4.125%
HK$47,532
baseline
▲ 0.50% · 4.625%
HK$50,425
+HK$2,893/mo
Deposit HK$9.81M · loan HK$9.81M · min. income ≈ HK$95,064/mo (50% DSR)
Upfront cash ≈ HK$10.54M (deposit + AVD stamp duty HK$735,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,759
−HK$2,688/mo
▼ 0.25% · 3.875%
HK$51,094
−HK$1,353/mo
Today · 4.125%
HK$52,447
baseline
▲ 0.50% · 4.625%
HK$55,212
+HK$2,765/mo
Deposit HK$9.81M · loan HK$9.81M · min. income ≈ HK$104,894/mo (50% DSR)
Upfront cash ≈ HK$10.54M (deposit + AVD stamp duty HK$735,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,673
−HK$3,366/mo
▼ 0.25% · 3.875%
HK$55,343
−HK$1,696/mo
Today · 4.125%
HK$57,039
baseline
▲ 0.50% · 4.625%
HK$60,510
+HK$3,471/mo
Deposit HK$7.85M · loan HK$11.77M · min. income ≈ HK$114,078/mo (50% DSR)
Upfront cash ≈ HK$8.58M (deposit + AVD stamp duty HK$735,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,711
−HK$3,226/mo
▼ 0.25% · 3.875%
HK$61,312
−HK$1,625/mo
Today · 4.125%
HK$62,937
baseline
▲ 0.50% · 4.625%
HK$66,254
+HK$3,317/mo
Deposit HK$7.85M · loan HK$11.77M · min. income ≈ HK$125,874/mo (50% DSR)
Upfront cash ≈ HK$8.58M (deposit + AVD stamp duty HK$735,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,619
−HK$3,926/mo
▼ 0.25% · 3.875%
HK$64,566
−HK$1,979/mo
Today · 4.125%
HK$66,545
baseline
▲ 0.50% · 4.625%
HK$70,595
+HK$4,050/mo
Deposit HK$5.88M · loan HK$13.73M · min. income ≈ HK$133,090/mo (50% DSR)
Upfront cash ≈ HK$6.62M (deposit + AVD stamp duty HK$735,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,663
−HK$3,763/mo
▼ 0.25% · 3.875%
HK$71,531
−HK$1,895/mo
Today · 4.125%
HK$73,426
baseline
▲ 0.50% · 4.625%
HK$77,297
+HK$3,871/mo
Deposit HK$5.88M · loan HK$13.73M · min. income ≈ HK$146,852/mo (50% DSR)
Upfront cash ≈ HK$6.62M (deposit + AVD stamp duty HK$735,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,510
−HK$5,048/mo
▼ 0.25% · 3.875%
HK$83,014
−HK$2,544/mo
Today · 4.125%
HK$85,558
baseline
▲ 0.50% · 4.625%
HK$90,764
+HK$5,206/mo
Deposit HK$1.96M · loan HK$17.65M · min. income ≈ HK$171,116/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$735,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,566
−HK$4,839/mo
▼ 0.25% · 3.875%
HK$91,968
−HK$2,437/mo
Today · 4.125%
HK$94,405
baseline
▲ 0.50% · 4.625%
HK$99,381
+HK$4,976/mo
Deposit HK$1.96M · loan HK$17.65M · min. income ≈ HK$188,810/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$735,569 · Scale 2, in force from 26 Feb 2026)