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$44,774
−HK$2,808/mo
▼ 0.25% · 3.875%
HK$46,167
−HK$1,415/mo
Today · 4.125%
HK$47,582
baseline
▲ 0.50% · 4.625%
HK$50,477
+HK$2,895/mo
Deposit HK$9.82M · loan HK$9.82M · min. income ≈ HK$95,164/mo (50% DSR)
Upfront cash ≈ HK$10.55M (deposit + AVD stamp duty HK$736,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,811
−HK$2,691/mo
▼ 0.25% · 3.875%
HK$51,146
−HK$1,356/mo
Today · 4.125%
HK$52,502
baseline
▲ 0.50% · 4.625%
HK$55,269
+HK$2,767/mo
Deposit HK$9.82M · loan HK$9.82M · min. income ≈ HK$105,004/mo (50% DSR)
Upfront cash ≈ HK$10.55M (deposit + AVD stamp duty HK$736,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,729
−HK$3,369/mo
▼ 0.25% · 3.875%
HK$55,400
−HK$1,698/mo
Today · 4.125%
HK$57,098
baseline
▲ 0.50% · 4.625%
HK$60,572
+HK$3,474/mo
Deposit HK$7.85M · loan HK$11.78M · min. income ≈ HK$114,196/mo (50% DSR)
Upfront cash ≈ HK$8.59M (deposit + AVD stamp duty HK$736,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,773
−HK$3,229/mo
▼ 0.25% · 3.875%
HK$61,376
−HK$1,626/mo
Today · 4.125%
HK$63,002
baseline
▲ 0.50% · 4.625%
HK$66,323
+HK$3,321/mo
Deposit HK$7.85M · loan HK$11.78M · min. income ≈ HK$126,004/mo (50% DSR)
Upfront cash ≈ HK$8.59M (deposit + AVD stamp duty HK$736,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,684
−HK$3,930/mo
▼ 0.25% · 3.875%
HK$64,633
−HK$1,981/mo
Today · 4.125%
HK$66,614
baseline
▲ 0.50% · 4.625%
HK$70,668
+HK$4,054/mo
Deposit HK$5.89M · loan HK$13.74M · min. income ≈ HK$133,228/mo (50% DSR)
Upfront cash ≈ HK$6.63M (deposit + AVD stamp duty HK$736,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,735
−HK$3,767/mo
▼ 0.25% · 3.875%
HK$71,605
−HK$1,897/mo
Today · 4.125%
HK$73,502
baseline
▲ 0.50% · 4.625%
HK$77,377
+HK$3,875/mo
Deposit HK$5.89M · loan HK$13.74M · min. income ≈ HK$147,004/mo (50% DSR)
Upfront cash ≈ HK$6.63M (deposit + AVD stamp duty HK$736,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,593
−HK$5,054/mo
▼ 0.25% · 3.875%
HK$83,100
−HK$2,547/mo
Today · 4.125%
HK$85,647
baseline
▲ 0.50% · 4.625%
HK$90,858
+HK$5,211/mo
Deposit HK$1.96M · loan HK$17.67M · min. income ≈ HK$171,294/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$736,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,659
−HK$4,844/mo
▼ 0.25% · 3.875%
HK$92,064
−HK$2,439/mo
Today · 4.125%
HK$94,503
baseline
▲ 0.50% · 4.625%
HK$99,484
+HK$4,981/mo
Deposit HK$1.96M · loan HK$17.67M · min. income ≈ HK$189,006/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$736,332 · Scale 2, in force from 26 Feb 2026)