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$44,765
−HK$2,807/mo
▼ 0.25% · 3.875%
HK$46,157
−HK$1,415/mo
Today · 4.125%
HK$47,572
baseline
▲ 0.50% · 4.625%
HK$50,466
+HK$2,894/mo
Deposit HK$9.82M · loan HK$9.82M · min. income ≈ HK$95,144/mo (50% DSR)
Upfront cash ≈ HK$10.55M (deposit + AVD stamp duty HK$736,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,800
−HK$2,691/mo
▼ 0.25% · 3.875%
HK$51,136
−HK$1,355/mo
Today · 4.125%
HK$52,491
baseline
▲ 0.50% · 4.625%
HK$55,258
+HK$2,767/mo
Deposit HK$9.82M · loan HK$9.82M · min. income ≈ HK$104,982/mo (50% DSR)
Upfront cash ≈ HK$10.55M (deposit + AVD stamp duty HK$736,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,717
−HK$3,369/mo
▼ 0.25% · 3.875%
HK$55,388
−HK$1,698/mo
Today · 4.125%
HK$57,086
baseline
▲ 0.50% · 4.625%
HK$60,560
+HK$3,474/mo
Deposit HK$7.85M · loan HK$11.78M · min. income ≈ HK$114,172/mo (50% DSR)
Upfront cash ≈ HK$8.59M (deposit + AVD stamp duty HK$736,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,760
−HK$3,229/mo
▼ 0.25% · 3.875%
HK$61,363
−HK$1,626/mo
Today · 4.125%
HK$62,989
baseline
▲ 0.50% · 4.625%
HK$66,309
+HK$3,320/mo
Deposit HK$7.85M · loan HK$11.78M · min. income ≈ HK$125,978/mo (50% DSR)
Upfront cash ≈ HK$8.59M (deposit + AVD stamp duty HK$736,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,670
−HK$3,930/mo
▼ 0.25% · 3.875%
HK$64,620
−HK$1,980/mo
Today · 4.125%
HK$66,600
baseline
▲ 0.50% · 4.625%
HK$70,653
+HK$4,053/mo
Deposit HK$5.89M · loan HK$13.74M · min. income ≈ HK$133,200/mo (50% DSR)
Upfront cash ≈ HK$6.63M (deposit + AVD stamp duty HK$736,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,720
−HK$3,767/mo
▼ 0.25% · 3.875%
HK$71,590
−HK$1,897/mo
Today · 4.125%
HK$73,487
baseline
▲ 0.50% · 4.625%
HK$77,361
+HK$3,874/mo
Deposit HK$5.89M · loan HK$13.74M · min. income ≈ HK$146,974/mo (50% DSR)
Upfront cash ≈ HK$6.63M (deposit + AVD stamp duty HK$736,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,576
−HK$5,053/mo
▼ 0.25% · 3.875%
HK$83,083
−HK$2,546/mo
Today · 4.125%
HK$85,629
baseline
▲ 0.50% · 4.625%
HK$90,839
+HK$5,210/mo
Deposit HK$1.96M · loan HK$17.67M · min. income ≈ HK$171,258/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$736,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,640
−HK$4,843/mo
▼ 0.25% · 3.875%
HK$92,044
−HK$2,439/mo
Today · 4.125%
HK$94,483
baseline
▲ 0.50% · 4.625%
HK$99,464
+HK$4,981/mo
Deposit HK$1.96M · loan HK$17.67M · min. income ≈ HK$188,966/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$736,177 · Scale 2, in force from 26 Feb 2026)