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$44,736
−HK$2,806/mo
▼ 0.25% · 3.875%
HK$46,128
−HK$1,414/mo
Today · 4.125%
HK$47,542
baseline
▲ 0.50% · 4.625%
HK$50,434
+HK$2,892/mo
Deposit HK$9.81M · loan HK$9.81M · min. income ≈ HK$95,084/mo (50% DSR)
Upfront cash ≈ HK$10.55M (deposit + AVD stamp duty HK$735,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,769
−HK$2,688/mo
▼ 0.25% · 3.875%
HK$51,103
−HK$1,354/mo
Today · 4.125%
HK$52,457
baseline
▲ 0.50% · 4.625%
HK$55,222
+HK$2,765/mo
Deposit HK$9.81M · loan HK$9.81M · min. income ≈ HK$104,914/mo (50% DSR)
Upfront cash ≈ HK$10.55M (deposit + AVD stamp duty HK$735,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,683
−HK$3,367/mo
▼ 0.25% · 3.875%
HK$55,353
−HK$1,697/mo
Today · 4.125%
HK$57,050
baseline
▲ 0.50% · 4.625%
HK$60,521
+HK$3,471/mo
Deposit HK$7.85M · loan HK$11.77M · min. income ≈ HK$114,100/mo (50% DSR)
Upfront cash ≈ HK$8.58M (deposit + AVD stamp duty HK$735,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,722
−HK$3,227/mo
▼ 0.25% · 3.875%
HK$61,324
−HK$1,625/mo
Today · 4.125%
HK$62,949
baseline
▲ 0.50% · 4.625%
HK$66,267
+HK$3,318/mo
Deposit HK$7.85M · loan HK$11.77M · min. income ≈ HK$125,898/mo (50% DSR)
Upfront cash ≈ HK$8.58M (deposit + AVD stamp duty HK$735,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,631
−HK$3,927/mo
▼ 0.25% · 3.875%
HK$64,579
−HK$1,979/mo
Today · 4.125%
HK$66,558
baseline
▲ 0.50% · 4.625%
HK$70,608
+HK$4,050/mo
Deposit HK$5.89M · loan HK$13.73M · min. income ≈ HK$133,116/mo (50% DSR)
Upfront cash ≈ HK$6.62M (deposit + AVD stamp duty HK$735,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,676
−HK$3,764/mo
▼ 0.25% · 3.875%
HK$71,545
−HK$1,895/mo
Today · 4.125%
HK$73,440
baseline
▲ 0.50% · 4.625%
HK$77,311
+HK$3,871/mo
Deposit HK$5.89M · loan HK$13.73M · min. income ≈ HK$146,880/mo (50% DSR)
Upfront cash ≈ HK$6.62M (deposit + AVD stamp duty HK$735,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,525
−HK$5,050/mo
▼ 0.25% · 3.875%
HK$83,030
−HK$2,545/mo
Today · 4.125%
HK$85,575
baseline
▲ 0.50% · 4.625%
HK$90,782
+HK$5,207/mo
Deposit HK$1.96M · loan HK$17.66M · min. income ≈ HK$171,150/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$735,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,583
−HK$4,840/mo
▼ 0.25% · 3.875%
HK$91,986
−HK$2,437/mo
Today · 4.125%
HK$94,423
baseline
▲ 0.50% · 4.625%
HK$99,400
+HK$4,977/mo
Deposit HK$1.96M · loan HK$17.66M · min. income ≈ HK$188,846/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$735,710 · Scale 2, in force from 26 Feb 2026)