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$44,756
−HK$2,806/mo
▼ 0.25% · 3.875%
HK$46,148
−HK$1,414/mo
Today · 4.125%
HK$47,562
baseline
▲ 0.50% · 4.625%
HK$50,456
+HK$2,894/mo
Deposit HK$9.81M · loan HK$9.81M · min. income ≈ HK$95,124/mo (50% DSR)
Upfront cash ≈ HK$10.55M (deposit + AVD stamp duty HK$736,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,790
−HK$2,690/mo
▼ 0.25% · 3.875%
HK$51,126
−HK$1,354/mo
Today · 4.125%
HK$52,480
baseline
▲ 0.50% · 4.625%
HK$55,247
+HK$2,767/mo
Deposit HK$9.81M · loan HK$9.81M · min. income ≈ HK$104,960/mo (50% DSR)
Upfront cash ≈ HK$10.55M (deposit + AVD stamp duty HK$736,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,707
−HK$3,368/mo
▼ 0.25% · 3.875%
HK$55,377
−HK$1,698/mo
Today · 4.125%
HK$57,075
baseline
▲ 0.50% · 4.625%
HK$60,548
+HK$3,473/mo
Deposit HK$7.85M · loan HK$11.78M · min. income ≈ HK$114,150/mo (50% DSR)
Upfront cash ≈ HK$8.59M (deposit + AVD stamp duty HK$736,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,748
−HK$3,228/mo
▼ 0.25% · 3.875%
HK$61,351
−HK$1,625/mo
Today · 4.125%
HK$62,976
baseline
▲ 0.50% · 4.625%
HK$66,296
+HK$3,320/mo
Deposit HK$7.85M · loan HK$11.78M · min. income ≈ HK$125,952/mo (50% DSR)
Upfront cash ≈ HK$8.59M (deposit + AVD stamp duty HK$736,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,658
−HK$3,929/mo
▼ 0.25% · 3.875%
HK$64,607
−HK$1,980/mo
Today · 4.125%
HK$66,587
baseline
▲ 0.50% · 4.625%
HK$70,639
+HK$4,052/mo
Deposit HK$5.89M · loan HK$13.74M · min. income ≈ HK$133,174/mo (50% DSR)
Upfront cash ≈ HK$6.62M (deposit + AVD stamp duty HK$736,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,706
−HK$3,766/mo
▼ 0.25% · 3.875%
HK$71,576
−HK$1,896/mo
Today · 4.125%
HK$73,472
baseline
▲ 0.50% · 4.625%
HK$77,345
+HK$3,873/mo
Deposit HK$5.89M · loan HK$13.74M · min. income ≈ HK$146,944/mo (50% DSR)
Upfront cash ≈ HK$6.62M (deposit + AVD stamp duty HK$736,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,560
−HK$5,052/mo
▼ 0.25% · 3.875%
HK$83,066
−HK$2,546/mo
Today · 4.125%
HK$85,612
baseline
▲ 0.50% · 4.625%
HK$90,821
+HK$5,209/mo
Deposit HK$1.96M · loan HK$17.66M · min. income ≈ HK$171,224/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$736,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,623
−HK$4,842/mo
▼ 0.25% · 3.875%
HK$92,026
−HK$2,439/mo
Today · 4.125%
HK$94,465
baseline
▲ 0.50% · 4.625%
HK$99,444
+HK$4,979/mo
Deposit HK$1.96M · loan HK$17.66M · min. income ≈ HK$188,930/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$736,032 · Scale 2, in force from 26 Feb 2026)