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$44,788
−HK$2,809/mo
▼ 0.25% · 3.875%
HK$46,181
−HK$1,416/mo
Today · 4.125%
HK$47,597
baseline
▲ 0.50% · 4.625%
HK$50,493
+HK$2,896/mo
Deposit HK$9.82M · loan HK$9.82M · min. income ≈ HK$95,194/mo (50% DSR)
Upfront cash ≈ HK$10.56M (deposit + AVD stamp duty HK$736,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,826
−HK$2,692/mo
▼ 0.25% · 3.875%
HK$51,162
−HK$1,356/mo
Today · 4.125%
HK$52,518
baseline
▲ 0.50% · 4.625%
HK$55,286
+HK$2,768/mo
Deposit HK$9.82M · loan HK$9.82M · min. income ≈ HK$105,036/mo (50% DSR)
Upfront cash ≈ HK$10.56M (deposit + AVD stamp duty HK$736,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,746
−HK$3,370/mo
▼ 0.25% · 3.875%
HK$55,417
−HK$1,699/mo
Today · 4.125%
HK$57,116
baseline
▲ 0.50% · 4.625%
HK$60,591
+HK$3,475/mo
Deposit HK$7.86M · loan HK$11.78M · min. income ≈ HK$114,232/mo (50% DSR)
Upfront cash ≈ HK$8.59M (deposit + AVD stamp duty HK$736,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,791
−HK$3,231/mo
▼ 0.25% · 3.875%
HK$61,395
−HK$1,627/mo
Today · 4.125%
HK$63,022
baseline
▲ 0.50% · 4.625%
HK$66,344
+HK$3,322/mo
Deposit HK$7.86M · loan HK$11.78M · min. income ≈ HK$126,044/mo (50% DSR)
Upfront cash ≈ HK$8.59M (deposit + AVD stamp duty HK$736,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,703
−HK$3,932/mo
▼ 0.25% · 3.875%
HK$64,654
−HK$1,981/mo
Today · 4.125%
HK$66,635
baseline
▲ 0.50% · 4.625%
HK$70,690
+HK$4,055/mo
Deposit HK$5.89M · loan HK$13.75M · min. income ≈ HK$133,270/mo (50% DSR)
Upfront cash ≈ HK$6.63M (deposit + AVD stamp duty HK$736,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,757
−HK$3,768/mo
▼ 0.25% · 3.875%
HK$71,627
−HK$1,898/mo
Today · 4.125%
HK$73,525
baseline
▲ 0.50% · 4.625%
HK$77,401
+HK$3,876/mo
Deposit HK$5.89M · loan HK$13.75M · min. income ≈ HK$147,050/mo (50% DSR)
Upfront cash ≈ HK$6.63M (deposit + AVD stamp duty HK$736,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,618
−HK$5,056/mo
▼ 0.25% · 3.875%
HK$83,126
−HK$2,548/mo
Today · 4.125%
HK$85,674
baseline
▲ 0.50% · 4.625%
HK$90,887
+HK$5,213/mo
Deposit HK$1.96M · loan HK$17.68M · min. income ≈ HK$171,348/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$736,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,687
−HK$4,846/mo
▼ 0.25% · 3.875%
HK$92,092
−HK$2,441/mo
Today · 4.125%
HK$94,533
baseline
▲ 0.50% · 4.625%
HK$99,516
+HK$4,983/mo
Deposit HK$1.96M · loan HK$17.68M · min. income ≈ HK$189,066/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$736,562 · Scale 2, in force from 26 Feb 2026)