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$44,442
−HK$2,787/mo
▼ 0.25% · 3.875%
HK$45,824
−HK$1,405/mo
Today · 4.125%
HK$47,229
baseline
▲ 0.50% · 4.625%
HK$50,103
+HK$2,874/mo
Deposit HK$9.74M · loan HK$9.74M · min. income ≈ HK$94,458/mo (50% DSR)
Upfront cash ≈ HK$10.48M (deposit + AVD stamp duty HK$730,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,441
−HK$2,672/mo
▼ 0.25% · 3.875%
HK$50,767
−HK$1,346/mo
Today · 4.125%
HK$52,113
baseline
▲ 0.50% · 4.625%
HK$54,859
+HK$2,746/mo
Deposit HK$9.74M · loan HK$9.74M · min. income ≈ HK$104,226/mo (50% DSR)
Upfront cash ≈ HK$10.48M (deposit + AVD stamp duty HK$730,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,331
−HK$3,344/mo
▼ 0.25% · 3.875%
HK$54,989
−HK$1,686/mo
Today · 4.125%
HK$56,675
baseline
▲ 0.50% · 4.625%
HK$60,123
+HK$3,448/mo
Deposit HK$7.80M · loan HK$11.69M · min. income ≈ HK$113,350/mo (50% DSR)
Upfront cash ≈ HK$8.53M (deposit + AVD stamp duty HK$730,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,330
−HK$3,205/mo
▼ 0.25% · 3.875%
HK$60,921
−HK$1,614/mo
Today · 4.125%
HK$62,535
baseline
▲ 0.50% · 4.625%
HK$65,831
+HK$3,296/mo
Deposit HK$7.80M · loan HK$11.69M · min. income ≈ HK$125,070/mo (50% DSR)
Upfront cash ≈ HK$8.53M (deposit + AVD stamp duty HK$730,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,219
−HK$3,902/mo
▼ 0.25% · 3.875%
HK$64,154
−HK$1,967/mo
Today · 4.125%
HK$66,121
baseline
▲ 0.50% · 4.625%
HK$70,144
+HK$4,023/mo
Deposit HK$5.85M · loan HK$13.64M · min. income ≈ HK$132,242/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$730,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,218
−HK$3,740/mo
▼ 0.25% · 3.875%
HK$71,074
−HK$1,884/mo
Today · 4.125%
HK$72,958
baseline
▲ 0.50% · 4.625%
HK$76,803
+HK$3,845/mo
Deposit HK$5.85M · loan HK$13.64M · min. income ≈ HK$145,916/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$730,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,996
−HK$5,016/mo
▼ 0.25% · 3.875%
HK$82,484
−HK$2,528/mo
Today · 4.125%
HK$85,012
baseline
▲ 0.50% · 4.625%
HK$90,185
+HK$5,173/mo
Deposit HK$1.95M · loan HK$17.54M · min. income ≈ HK$170,024/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$730,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,994
−HK$4,809/mo
▼ 0.25% · 3.875%
HK$91,381
−HK$2,422/mo
Today · 4.125%
HK$93,803
baseline
▲ 0.50% · 4.625%
HK$98,747
+HK$4,944/mo
Deposit HK$1.95M · loan HK$17.54M · min. income ≈ HK$187,606/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$730,874 · Scale 2, in force from 26 Feb 2026)