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$44,433
−HK$2,786/mo
▼ 0.25% · 3.875%
HK$45,815
−HK$1,404/mo
Today · 4.125%
HK$47,219
baseline
▲ 0.50% · 4.625%
HK$50,092
+HK$2,873/mo
Deposit HK$9.74M · loan HK$9.74M · min. income ≈ HK$94,438/mo (50% DSR)
Upfront cash ≈ HK$10.47M (deposit + AVD stamp duty HK$730,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,431
−HK$2,670/mo
▼ 0.25% · 3.875%
HK$50,756
−HK$1,345/mo
Today · 4.125%
HK$52,101
baseline
▲ 0.50% · 4.625%
HK$54,848
+HK$2,747/mo
Deposit HK$9.74M · loan HK$9.74M · min. income ≈ HK$104,202/mo (50% DSR)
Upfront cash ≈ HK$10.47M (deposit + AVD stamp duty HK$730,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,319
−HK$3,344/mo
▼ 0.25% · 3.875%
HK$54,978
−HK$1,685/mo
Today · 4.125%
HK$56,663
baseline
▲ 0.50% · 4.625%
HK$60,110
+HK$3,447/mo
Deposit HK$7.79M · loan HK$11.69M · min. income ≈ HK$113,326/mo (50% DSR)
Upfront cash ≈ HK$8.53M (deposit + AVD stamp duty HK$730,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,317
−HK$3,205/mo
▼ 0.25% · 3.875%
HK$60,908
−HK$1,614/mo
Today · 4.125%
HK$62,522
baseline
▲ 0.50% · 4.625%
HK$65,817
+HK$3,295/mo
Deposit HK$7.79M · loan HK$11.69M · min. income ≈ HK$125,044/mo (50% DSR)
Upfront cash ≈ HK$8.53M (deposit + AVD stamp duty HK$730,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,206
−HK$3,900/mo
▼ 0.25% · 3.875%
HK$64,141
−HK$1,965/mo
Today · 4.125%
HK$66,106
baseline
▲ 0.50% · 4.625%
HK$70,129
+HK$4,023/mo
Deposit HK$5.85M · loan HK$13.64M · min. income ≈ HK$132,212/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$730,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,203
−HK$3,739/mo
▼ 0.25% · 3.875%
HK$71,059
−HK$1,883/mo
Today · 4.125%
HK$72,942
baseline
▲ 0.50% · 4.625%
HK$76,787
+HK$3,845/mo
Deposit HK$5.85M · loan HK$13.64M · min. income ≈ HK$145,884/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$730,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,979
−HK$5,015/mo
▼ 0.25% · 3.875%
HK$82,466
−HK$2,528/mo
Today · 4.125%
HK$84,994
baseline
▲ 0.50% · 4.625%
HK$90,166
+HK$5,172/mo
Deposit HK$1.95M · loan HK$17.54M · min. income ≈ HK$169,988/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$730,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,975
−HK$4,807/mo
▼ 0.25% · 3.875%
HK$91,362
−HK$2,420/mo
Today · 4.125%
HK$93,782
baseline
▲ 0.50% · 4.625%
HK$98,726
+HK$4,944/mo
Deposit HK$1.95M · loan HK$17.54M · min. income ≈ HK$187,564/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$730,717 · Scale 2, in force from 26 Feb 2026)