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$44,777
−HK$2,808/mo
▼ 0.25% · 3.875%
HK$46,169
−HK$1,416/mo
Today · 4.125%
HK$47,585
baseline
▲ 0.50% · 4.625%
HK$50,480
+HK$2,895/mo
Deposit HK$9.82M · loan HK$9.82M · min. income ≈ HK$95,170/mo (50% DSR)
Upfront cash ≈ HK$10.55M (deposit + AVD stamp duty HK$736,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,814
−HK$2,691/mo
▼ 0.25% · 3.875%
HK$51,150
−HK$1,355/mo
Today · 4.125%
HK$52,505
baseline
▲ 0.50% · 4.625%
HK$55,272
+HK$2,767/mo
Deposit HK$9.82M · loan HK$9.82M · min. income ≈ HK$105,010/mo (50% DSR)
Upfront cash ≈ HK$10.55M (deposit + AVD stamp duty HK$736,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,732
−HK$3,369/mo
▼ 0.25% · 3.875%
HK$55,403
−HK$1,698/mo
Today · 4.125%
HK$57,101
baseline
▲ 0.50% · 4.625%
HK$60,576
+HK$3,475/mo
Deposit HK$7.85M · loan HK$11.78M · min. income ≈ HK$114,202/mo (50% DSR)
Upfront cash ≈ HK$8.59M (deposit + AVD stamp duty HK$736,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,776
−HK$3,230/mo
▼ 0.25% · 3.875%
HK$61,379
−HK$1,627/mo
Today · 4.125%
HK$63,006
baseline
▲ 0.50% · 4.625%
HK$66,327
+HK$3,321/mo
Deposit HK$7.85M · loan HK$11.78M · min. income ≈ HK$126,012/mo (50% DSR)
Upfront cash ≈ HK$8.59M (deposit + AVD stamp duty HK$736,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,687
−HK$3,931/mo
▼ 0.25% · 3.875%
HK$64,637
−HK$1,981/mo
Today · 4.125%
HK$66,618
baseline
▲ 0.50% · 4.625%
HK$70,672
+HK$4,054/mo
Deposit HK$5.89M · loan HK$13.75M · min. income ≈ HK$133,236/mo (50% DSR)
Upfront cash ≈ HK$6.63M (deposit + AVD stamp duty HK$736,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,739
−HK$3,768/mo
▼ 0.25% · 3.875%
HK$71,609
−HK$1,898/mo
Today · 4.125%
HK$73,507
baseline
▲ 0.50% · 4.625%
HK$77,381
+HK$3,874/mo
Deposit HK$5.89M · loan HK$13.75M · min. income ≈ HK$147,014/mo (50% DSR)
Upfront cash ≈ HK$6.63M (deposit + AVD stamp duty HK$736,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,598
−HK$5,054/mo
▼ 0.25% · 3.875%
HK$83,105
−HK$2,547/mo
Today · 4.125%
HK$85,652
baseline
▲ 0.50% · 4.625%
HK$90,864
+HK$5,212/mo
Deposit HK$1.96M · loan HK$17.67M · min. income ≈ HK$171,304/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$736,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,664
−HK$4,845/mo
▼ 0.25% · 3.875%
HK$92,069
−HK$2,440/mo
Today · 4.125%
HK$94,509
baseline
▲ 0.50% · 4.625%
HK$99,490
+HK$4,981/mo
Deposit HK$1.96M · loan HK$17.67M · min. income ≈ HK$189,018/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$736,375 · Scale 2, in force from 26 Feb 2026)