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$44,826
−HK$2,811/mo
▼ 0.25% · 3.875%
HK$46,221
−HK$1,416/mo
Today · 4.125%
HK$47,637
baseline
▲ 0.50% · 4.625%
HK$50,536
+HK$2,899/mo
Deposit HK$9.83M · loan HK$9.83M · min. income ≈ HK$95,274/mo (50% DSR)
Upfront cash ≈ HK$10.57M (deposit + AVD stamp duty HK$737,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,869
−HK$2,694/mo
▼ 0.25% · 3.875%
HK$51,206
−HK$1,357/mo
Today · 4.125%
HK$52,563
baseline
▲ 0.50% · 4.625%
HK$55,334
+HK$2,771/mo
Deposit HK$9.83M · loan HK$9.83M · min. income ≈ HK$105,126/mo (50% DSR)
Upfront cash ≈ HK$10.57M (deposit + AVD stamp duty HK$737,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,792
−HK$3,373/mo
▼ 0.25% · 3.875%
HK$55,465
−HK$1,700/mo
Today · 4.125%
HK$57,165
baseline
▲ 0.50% · 4.625%
HK$60,643
+HK$3,478/mo
Deposit HK$7.86M · loan HK$11.80M · min. income ≈ HK$114,330/mo (50% DSR)
Upfront cash ≈ HK$8.60M (deposit + AVD stamp duty HK$737,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,843
−HK$3,233/mo
▼ 0.25% · 3.875%
HK$61,448
−HK$1,628/mo
Today · 4.125%
HK$63,076
baseline
▲ 0.50% · 4.625%
HK$66,401
+HK$3,325/mo
Deposit HK$7.86M · loan HK$11.80M · min. income ≈ HK$126,152/mo (50% DSR)
Upfront cash ≈ HK$8.60M (deposit + AVD stamp duty HK$737,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,757
−HK$3,935/mo
▼ 0.25% · 3.875%
HK$64,709
−HK$1,983/mo
Today · 4.125%
HK$66,692
baseline
▲ 0.50% · 4.625%
HK$70,750
+HK$4,058/mo
Deposit HK$5.90M · loan HK$13.76M · min. income ≈ HK$133,384/mo (50% DSR)
Upfront cash ≈ HK$6.63M (deposit + AVD stamp duty HK$737,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,816
−HK$3,772/mo
▼ 0.25% · 3.875%
HK$71,689
−HK$1,899/mo
Today · 4.125%
HK$73,588
baseline
▲ 0.50% · 4.625%
HK$77,467
+HK$3,879/mo
Deposit HK$5.90M · loan HK$13.76M · min. income ≈ HK$147,176/mo (50% DSR)
Upfront cash ≈ HK$6.63M (deposit + AVD stamp duty HK$737,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,688
−HK$5,059/mo
▼ 0.25% · 3.875%
HK$83,197
−HK$2,550/mo
Today · 4.125%
HK$85,747
baseline
▲ 0.50% · 4.625%
HK$90,965
+HK$5,218/mo
Deposit HK$1.97M · loan HK$17.69M · min. income ≈ HK$171,494/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$737,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,764
−HK$4,850/mo
▼ 0.25% · 3.875%
HK$92,171
−HK$2,443/mo
Today · 4.125%
HK$94,614
baseline
▲ 0.50% · 4.625%
HK$99,601
+HK$4,987/mo
Deposit HK$1.97M · loan HK$17.69M · min. income ≈ HK$189,228/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$737,194 · Scale 2, in force from 26 Feb 2026)