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$44,718
−HK$2,804/mo
▼ 0.25% · 3.875%
HK$46,109
−HK$1,413/mo
Today · 4.125%
HK$47,522
baseline
▲ 0.50% · 4.625%
HK$50,414
+HK$2,892/mo
Deposit HK$9.81M · loan HK$9.81M · min. income ≈ HK$95,044/mo (50% DSR)
Upfront cash ≈ HK$10.54M (deposit + AVD stamp duty HK$735,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,749
−HK$2,687/mo
▼ 0.25% · 3.875%
HK$51,083
−HK$1,353/mo
Today · 4.125%
HK$52,436
baseline
▲ 0.50% · 4.625%
HK$55,200
+HK$2,764/mo
Deposit HK$9.81M · loan HK$9.81M · min. income ≈ HK$104,872/mo (50% DSR)
Upfront cash ≈ HK$10.54M (deposit + AVD stamp duty HK$735,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,662
−HK$3,365/mo
▼ 0.25% · 3.875%
HK$55,331
−HK$1,696/mo
Today · 4.125%
HK$57,027
baseline
▲ 0.50% · 4.625%
HK$60,497
+HK$3,470/mo
Deposit HK$7.84M · loan HK$11.77M · min. income ≈ HK$114,054/mo (50% DSR)
Upfront cash ≈ HK$8.58M (deposit + AVD stamp duty HK$735,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,698
−HK$3,226/mo
▼ 0.25% · 3.875%
HK$61,299
−HK$1,625/mo
Today · 4.125%
HK$62,924
baseline
▲ 0.50% · 4.625%
HK$66,240
+HK$3,316/mo
Deposit HK$7.84M · loan HK$11.77M · min. income ≈ HK$125,848/mo (50% DSR)
Upfront cash ≈ HK$8.58M (deposit + AVD stamp duty HK$735,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,606
−HK$3,925/mo
▼ 0.25% · 3.875%
HK$64,553
−HK$1,978/mo
Today · 4.125%
HK$66,531
baseline
▲ 0.50% · 4.625%
HK$70,580
+HK$4,049/mo
Deposit HK$5.88M · loan HK$13.73M · min. income ≈ HK$133,062/mo (50% DSR)
Upfront cash ≈ HK$6.62M (deposit + AVD stamp duty HK$735,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,648
−HK$3,763/mo
▼ 0.25% · 3.875%
HK$71,516
−HK$1,895/mo
Today · 4.125%
HK$73,411
baseline
▲ 0.50% · 4.625%
HK$77,281
+HK$3,870/mo
Deposit HK$5.88M · loan HK$13.73M · min. income ≈ HK$146,822/mo (50% DSR)
Upfront cash ≈ HK$6.62M (deposit + AVD stamp duty HK$735,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,493
−HK$5,047/mo
▼ 0.25% · 3.875%
HK$82,997
−HK$2,543/mo
Today · 4.125%
HK$85,540
baseline
▲ 0.50% · 4.625%
HK$90,745
+HK$5,205/mo
Deposit HK$1.96M · loan HK$17.65M · min. income ≈ HK$171,080/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$735,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,548
−HK$4,838/mo
▼ 0.25% · 3.875%
HK$91,949
−HK$2,437/mo
Today · 4.125%
HK$94,386
baseline
▲ 0.50% · 4.625%
HK$99,361
+HK$4,975/mo
Deposit HK$1.96M · loan HK$17.65M · min. income ≈ HK$188,772/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$735,416 · Scale 2, in force from 26 Feb 2026)