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$44,783
−HK$2,809/mo
▼ 0.25% · 3.875%
HK$46,176
−HK$1,416/mo
Today · 4.125%
HK$47,592
baseline
▲ 0.50% · 4.625%
HK$50,487
+HK$2,895/mo
Deposit HK$9.82M · loan HK$9.82M · min. income ≈ HK$95,184/mo (50% DSR)
Upfront cash ≈ HK$10.56M (deposit + AVD stamp duty HK$736,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,821
−HK$2,692/mo
▼ 0.25% · 3.875%
HK$51,157
−HK$1,356/mo
Today · 4.125%
HK$52,513
baseline
▲ 0.50% · 4.625%
HK$55,281
+HK$2,768/mo
Deposit HK$9.82M · loan HK$9.82M · min. income ≈ HK$105,026/mo (50% DSR)
Upfront cash ≈ HK$10.56M (deposit + AVD stamp duty HK$736,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,740
−HK$3,370/mo
▼ 0.25% · 3.875%
HK$55,412
−HK$1,698/mo
Today · 4.125%
HK$57,110
baseline
▲ 0.50% · 4.625%
HK$60,585
+HK$3,475/mo
Deposit HK$7.86M · loan HK$11.78M · min. income ≈ HK$114,220/mo (50% DSR)
Upfront cash ≈ HK$8.59M (deposit + AVD stamp duty HK$736,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,785
−HK$3,230/mo
▼ 0.25% · 3.875%
HK$61,389
−HK$1,626/mo
Today · 4.125%
HK$63,015
baseline
▲ 0.50% · 4.625%
HK$66,337
+HK$3,322/mo
Deposit HK$7.86M · loan HK$11.78M · min. income ≈ HK$126,030/mo (50% DSR)
Upfront cash ≈ HK$8.59M (deposit + AVD stamp duty HK$736,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,697
−HK$3,931/mo
▼ 0.25% · 3.875%
HK$64,647
−HK$1,981/mo
Today · 4.125%
HK$66,628
baseline
▲ 0.50% · 4.625%
HK$70,682
+HK$4,054/mo
Deposit HK$5.89M · loan HK$13.75M · min. income ≈ HK$133,256/mo (50% DSR)
Upfront cash ≈ HK$6.63M (deposit + AVD stamp duty HK$736,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,749
−HK$3,769/mo
▼ 0.25% · 3.875%
HK$71,620
−HK$1,898/mo
Today · 4.125%
HK$73,518
baseline
▲ 0.50% · 4.625%
HK$77,393
+HK$3,875/mo
Deposit HK$5.89M · loan HK$13.75M · min. income ≈ HK$147,036/mo (50% DSR)
Upfront cash ≈ HK$6.63M (deposit + AVD stamp duty HK$736,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,610
−HK$5,055/mo
▼ 0.25% · 3.875%
HK$83,117
−HK$2,548/mo
Today · 4.125%
HK$85,665
baseline
▲ 0.50% · 4.625%
HK$90,877
+HK$5,212/mo
Deposit HK$1.96M · loan HK$17.68M · min. income ≈ HK$171,330/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$736,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,678
−HK$4,845/mo
▼ 0.25% · 3.875%
HK$92,083
−HK$2,440/mo
Today · 4.125%
HK$94,523
baseline
▲ 0.50% · 4.625%
HK$99,505
+HK$4,982/mo
Deposit HK$1.96M · loan HK$17.68M · min. income ≈ HK$189,046/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$736,484 · Scale 2, in force from 26 Feb 2026)