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$44,803
−HK$2,809/mo
▼ 0.25% · 3.875%
HK$46,196
−HK$1,416/mo
Today · 4.125%
HK$47,612
baseline
▲ 0.50% · 4.625%
HK$50,509
+HK$2,897/mo
Deposit HK$9.82M · loan HK$9.82M · min. income ≈ HK$95,224/mo (50% DSR)
Upfront cash ≈ HK$10.56M (deposit + AVD stamp duty HK$736,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,842
−HK$2,693/mo
▼ 0.25% · 3.875%
HK$51,179
−HK$1,356/mo
Today · 4.125%
HK$52,535
baseline
▲ 0.50% · 4.625%
HK$55,304
+HK$2,769/mo
Deposit HK$9.82M · loan HK$9.82M · min. income ≈ HK$105,070/mo (50% DSR)
Upfront cash ≈ HK$10.56M (deposit + AVD stamp duty HK$736,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,763
−HK$3,372/mo
▼ 0.25% · 3.875%
HK$55,435
−HK$1,700/mo
Today · 4.125%
HK$57,135
baseline
▲ 0.50% · 4.625%
HK$60,611
+HK$3,476/mo
Deposit HK$7.86M · loan HK$11.79M · min. income ≈ HK$114,270/mo (50% DSR)
Upfront cash ≈ HK$8.60M (deposit + AVD stamp duty HK$736,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,811
−HK$3,231/mo
▼ 0.25% · 3.875%
HK$61,415
−HK$1,627/mo
Today · 4.125%
HK$63,042
baseline
▲ 0.50% · 4.625%
HK$66,365
+HK$3,323/mo
Deposit HK$7.86M · loan HK$11.79M · min. income ≈ HK$126,084/mo (50% DSR)
Upfront cash ≈ HK$8.60M (deposit + AVD stamp duty HK$736,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,724
−HK$3,933/mo
▼ 0.25% · 3.875%
HK$64,675
−HK$1,982/mo
Today · 4.125%
HK$66,657
baseline
▲ 0.50% · 4.625%
HK$70,713
+HK$4,056/mo
Deposit HK$5.89M · loan HK$13.75M · min. income ≈ HK$133,314/mo (50% DSR)
Upfront cash ≈ HK$6.63M (deposit + AVD stamp duty HK$736,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,779
−HK$3,770/mo
▼ 0.25% · 3.875%
HK$71,651
−HK$1,898/mo
Today · 4.125%
HK$73,549
baseline
▲ 0.50% · 4.625%
HK$77,426
+HK$3,877/mo
Deposit HK$5.89M · loan HK$13.75M · min. income ≈ HK$147,098/mo (50% DSR)
Upfront cash ≈ HK$6.63M (deposit + AVD stamp duty HK$736,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,645
−HK$5,057/mo
▼ 0.25% · 3.875%
HK$83,153
−HK$2,549/mo
Today · 4.125%
HK$85,702
baseline
▲ 0.50% · 4.625%
HK$90,917
+HK$5,215/mo
Deposit HK$1.96M · loan HK$17.68M · min. income ≈ HK$171,404/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$736,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,716
−HK$4,848/mo
▼ 0.25% · 3.875%
HK$92,123
−HK$2,441/mo
Today · 4.125%
HK$94,564
baseline
▲ 0.50% · 4.625%
HK$99,548
+HK$4,984/mo
Deposit HK$1.96M · loan HK$17.68M · min. income ≈ HK$189,128/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$736,803 · Scale 2, in force from 26 Feb 2026)