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$44,504
−HK$2,790/mo
▼ 0.25% · 3.875%
HK$45,888
−HK$1,406/mo
Today · 4.125%
HK$47,294
baseline
▲ 0.50% · 4.625%
HK$50,172
+HK$2,878/mo
Deposit HK$9.76M · loan HK$9.76M · min. income ≈ HK$94,588/mo (50% DSR)
Upfront cash ≈ HK$10.49M (deposit + AVD stamp duty HK$731,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,510
−HK$2,675/mo
▼ 0.25% · 3.875%
HK$50,838
−HK$1,347/mo
Today · 4.125%
HK$52,185
baseline
▲ 0.50% · 4.625%
HK$54,935
+HK$2,750/mo
Deposit HK$9.76M · loan HK$9.76M · min. income ≈ HK$104,370/mo (50% DSR)
Upfront cash ≈ HK$10.49M (deposit + AVD stamp duty HK$731,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,404
−HK$3,349/mo
▼ 0.25% · 3.875%
HK$55,065
−HK$1,688/mo
Today · 4.125%
HK$56,753
baseline
▲ 0.50% · 4.625%
HK$60,207
+HK$3,454/mo
Deposit HK$7.81M · loan HK$11.71M · min. income ≈ HK$113,506/mo (50% DSR)
Upfront cash ≈ HK$8.54M (deposit + AVD stamp duty HK$731,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,412
−HK$3,210/mo
▼ 0.25% · 3.875%
HK$61,005
−HK$1,617/mo
Today · 4.125%
HK$62,622
baseline
▲ 0.50% · 4.625%
HK$65,922
+HK$3,300/mo
Deposit HK$7.81M · loan HK$11.71M · min. income ≈ HK$125,244/mo (50% DSR)
Upfront cash ≈ HK$8.54M (deposit + AVD stamp duty HK$731,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,305
−HK$3,907/mo
▼ 0.25% · 3.875%
HK$64,243
−HK$1,969/mo
Today · 4.125%
HK$66,212
baseline
▲ 0.50% · 4.625%
HK$70,241
+HK$4,029/mo
Deposit HK$5.86M · loan HK$13.66M · min. income ≈ HK$132,424/mo (50% DSR)
Upfront cash ≈ HK$6.59M (deposit + AVD stamp duty HK$731,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,314
−HK$3,745/mo
▼ 0.25% · 3.875%
HK$71,173
−HK$1,886/mo
Today · 4.125%
HK$73,059
baseline
▲ 0.50% · 4.625%
HK$76,910
+HK$3,851/mo
Deposit HK$5.86M · loan HK$13.66M · min. income ≈ HK$146,118/mo (50% DSR)
Upfront cash ≈ HK$6.59M (deposit + AVD stamp duty HK$731,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,106
−HK$5,024/mo
▼ 0.25% · 3.875%
HK$82,598
−HK$2,532/mo
Today · 4.125%
HK$85,130
baseline
▲ 0.50% · 4.625%
HK$90,310
+HK$5,180/mo
Deposit HK$1.95M · loan HK$17.57M · min. income ≈ HK$170,260/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$731,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,118
−HK$4,814/mo
▼ 0.25% · 3.875%
HK$91,508
−HK$2,424/mo
Today · 4.125%
HK$93,932
baseline
▲ 0.50% · 4.625%
HK$98,884
+HK$4,952/mo
Deposit HK$1.95M · loan HK$17.57M · min. income ≈ HK$187,864/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$731,885 · Scale 2, in force from 26 Feb 2026)