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$44,618
−HK$2,798/mo
▼ 0.25% · 3.875%
HK$46,006
−HK$1,410/mo
Today · 4.125%
HK$47,416
baseline
▲ 0.50% · 4.625%
HK$50,302
+HK$2,886/mo
Deposit HK$9.78M · loan HK$9.78M · min. income ≈ HK$94,832/mo (50% DSR)
Upfront cash ≈ HK$10.52M (deposit + AVD stamp duty HK$733,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,638
−HK$2,681/mo
▼ 0.25% · 3.875%
HK$50,969
−HK$1,350/mo
Today · 4.125%
HK$52,319
baseline
▲ 0.50% · 4.625%
HK$55,077
+HK$2,758/mo
Deposit HK$9.78M · loan HK$9.78M · min. income ≈ HK$104,638/mo (50% DSR)
Upfront cash ≈ HK$10.52M (deposit + AVD stamp duty HK$733,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,542
−HK$3,358/mo
▼ 0.25% · 3.875%
HK$55,208
−HK$1,692/mo
Today · 4.125%
HK$56,900
baseline
▲ 0.50% · 4.625%
HK$60,362
+HK$3,462/mo
Deposit HK$7.83M · loan HK$11.74M · min. income ≈ HK$113,800/mo (50% DSR)
Upfront cash ≈ HK$8.56M (deposit + AVD stamp duty HK$733,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,565
−HK$3,218/mo
▼ 0.25% · 3.875%
HK$61,163
−HK$1,620/mo
Today · 4.125%
HK$62,783
baseline
▲ 0.50% · 4.625%
HK$66,093
+HK$3,310/mo
Deposit HK$7.83M · loan HK$11.74M · min. income ≈ HK$125,566/mo (50% DSR)
Upfront cash ≈ HK$8.56M (deposit + AVD stamp duty HK$733,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,466
−HK$3,917/mo
▼ 0.25% · 3.875%
HK$64,409
−HK$1,974/mo
Today · 4.125%
HK$66,383
baseline
▲ 0.50% · 4.625%
HK$70,422
+HK$4,039/mo
Deposit HK$5.87M · loan HK$13.70M · min. income ≈ HK$132,766/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$733,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,493
−HK$3,754/mo
▼ 0.25% · 3.875%
HK$71,356
−HK$1,891/mo
Today · 4.125%
HK$73,247
baseline
▲ 0.50% · 4.625%
HK$77,108
+HK$3,861/mo
Deposit HK$5.87M · loan HK$13.70M · min. income ≈ HK$146,494/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$733,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,313
−HK$5,036/mo
▼ 0.25% · 3.875%
HK$82,811
−HK$2,538/mo
Today · 4.125%
HK$85,349
baseline
▲ 0.50% · 4.625%
HK$90,543
+HK$5,194/mo
Deposit HK$1.96M · loan HK$17.61M · min. income ≈ HK$170,698/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$733,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,348
−HK$4,827/mo
▼ 0.25% · 3.875%
HK$91,744
−HK$2,431/mo
Today · 4.125%
HK$94,175
baseline
▲ 0.50% · 4.625%
HK$99,139
+HK$4,964/mo
Deposit HK$1.96M · loan HK$17.61M · min. income ≈ HK$188,350/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$733,773 · Scale 2, in force from 26 Feb 2026)