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$44,738
−HK$2,806/mo
▼ 0.25% · 3.875%
HK$46,130
−HK$1,414/mo
Today · 4.125%
HK$47,544
baseline
▲ 0.50% · 4.625%
HK$50,437
+HK$2,893/mo
Deposit HK$9.81M · loan HK$9.81M · min. income ≈ HK$95,088/mo (50% DSR)
Upfront cash ≈ HK$10.55M (deposit + AVD stamp duty HK$735,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,771
−HK$2,689/mo
▼ 0.25% · 3.875%
HK$51,106
−HK$1,354/mo
Today · 4.125%
HK$52,460
baseline
▲ 0.50% · 4.625%
HK$55,225
+HK$2,765/mo
Deposit HK$9.81M · loan HK$9.81M · min. income ≈ HK$104,920/mo (50% DSR)
Upfront cash ≈ HK$10.55M (deposit + AVD stamp duty HK$735,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,686
−HK$3,367/mo
▼ 0.25% · 3.875%
HK$55,356
−HK$1,697/mo
Today · 4.125%
HK$57,053
baseline
▲ 0.50% · 4.625%
HK$60,524
+HK$3,471/mo
Deposit HK$7.85M · loan HK$11.77M · min. income ≈ HK$114,106/mo (50% DSR)
Upfront cash ≈ HK$8.58M (deposit + AVD stamp duty HK$735,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,725
−HK$3,227/mo
▼ 0.25% · 3.875%
HK$61,327
−HK$1,625/mo
Today · 4.125%
HK$62,952
baseline
▲ 0.50% · 4.625%
HK$66,270
+HK$3,318/mo
Deposit HK$7.85M · loan HK$11.77M · min. income ≈ HK$125,904/mo (50% DSR)
Upfront cash ≈ HK$8.58M (deposit + AVD stamp duty HK$735,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,634
−HK$3,927/mo
▼ 0.25% · 3.875%
HK$64,582
−HK$1,979/mo
Today · 4.125%
HK$66,561
baseline
▲ 0.50% · 4.625%
HK$70,611
+HK$4,050/mo
Deposit HK$5.89M · loan HK$13.73M · min. income ≈ HK$133,122/mo (50% DSR)
Upfront cash ≈ HK$6.62M (deposit + AVD stamp duty HK$735,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,679
−HK$3,765/mo
▼ 0.25% · 3.875%
HK$71,548
−HK$1,896/mo
Today · 4.125%
HK$73,444
baseline
▲ 0.50% · 4.625%
HK$77,315
+HK$3,871/mo
Deposit HK$5.89M · loan HK$13.73M · min. income ≈ HK$146,888/mo (50% DSR)
Upfront cash ≈ HK$6.62M (deposit + AVD stamp duty HK$735,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,529
−HK$5,050/mo
▼ 0.25% · 3.875%
HK$83,034
−HK$2,545/mo
Today · 4.125%
HK$85,579
baseline
▲ 0.50% · 4.625%
HK$90,786
+HK$5,207/mo
Deposit HK$1.96M · loan HK$17.66M · min. income ≈ HK$171,158/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$735,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,588
−HK$4,840/mo
▼ 0.25% · 3.875%
HK$91,990
−HK$2,438/mo
Today · 4.125%
HK$94,428
baseline
▲ 0.50% · 4.625%
HK$99,405
+HK$4,977/mo
Deposit HK$1.96M · loan HK$17.66M · min. income ≈ HK$188,856/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$735,746 · Scale 2, in force from 26 Feb 2026)