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$44,575
−HK$2,796/mo
▼ 0.25% · 3.875%
HK$45,962
−HK$1,409/mo
Today · 4.125%
HK$47,371
baseline
▲ 0.50% · 4.625%
HK$50,253
+HK$2,882/mo
Deposit HK$9.77M · loan HK$9.77M · min. income ≈ HK$94,742/mo (50% DSR)
Upfront cash ≈ HK$10.51M (deposit + AVD stamp duty HK$733,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,590
−HK$2,679/mo
▼ 0.25% · 3.875%
HK$50,920
−HK$1,349/mo
Today · 4.125%
HK$52,269
baseline
▲ 0.50% · 4.625%
HK$55,024
+HK$2,755/mo
Deposit HK$9.77M · loan HK$9.77M · min. income ≈ HK$104,538/mo (50% DSR)
Upfront cash ≈ HK$10.51M (deposit + AVD stamp duty HK$733,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,491
−HK$3,354/mo
▼ 0.25% · 3.875%
HK$55,154
−HK$1,691/mo
Today · 4.125%
HK$56,845
baseline
▲ 0.50% · 4.625%
HK$60,304
+HK$3,459/mo
Deposit HK$7.82M · loan HK$11.73M · min. income ≈ HK$113,690/mo (50% DSR)
Upfront cash ≈ HK$8.55M (deposit + AVD stamp duty HK$733,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,508
−HK$3,215/mo
▼ 0.25% · 3.875%
HK$61,104
−HK$1,619/mo
Today · 4.125%
HK$62,723
baseline
▲ 0.50% · 4.625%
HK$66,029
+HK$3,306/mo
Deposit HK$7.82M · loan HK$11.73M · min. income ≈ HK$125,446/mo (50% DSR)
Upfront cash ≈ HK$8.55M (deposit + AVD stamp duty HK$733,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,406
−HK$3,913/mo
▼ 0.25% · 3.875%
HK$64,347
−HK$1,972/mo
Today · 4.125%
HK$66,319
baseline
▲ 0.50% · 4.625%
HK$70,354
+HK$4,035/mo
Deposit HK$5.86M · loan HK$13.68M · min. income ≈ HK$132,638/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$733,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,426
−HK$3,751/mo
▼ 0.25% · 3.875%
HK$71,288
−HK$1,889/mo
Today · 4.125%
HK$73,177
baseline
▲ 0.50% · 4.625%
HK$77,034
+HK$3,857/mo
Deposit HK$5.86M · loan HK$13.68M · min. income ≈ HK$146,354/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$733,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,236
−HK$5,031/mo
▼ 0.25% · 3.875%
HK$82,732
−HK$2,535/mo
Today · 4.125%
HK$85,267
baseline
▲ 0.50% · 4.625%
HK$90,456
+HK$5,189/mo
Deposit HK$1.95M · loan HK$17.59M · min. income ≈ HK$170,534/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$733,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,262
−HK$4,822/mo
▼ 0.25% · 3.875%
HK$91,656
−HK$2,428/mo
Today · 4.125%
HK$94,084
baseline
▲ 0.50% · 4.625%
HK$99,043
+HK$4,959/mo
Deposit HK$1.95M · loan HK$17.59M · min. income ≈ HK$188,168/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$733,067 · Scale 2, in force from 26 Feb 2026)