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$44,771
−HK$2,807/mo
▼ 0.25% · 3.875%
HK$46,163
−HK$1,415/mo
Today · 4.125%
HK$47,578
baseline
▲ 0.50% · 4.625%
HK$50,473
+HK$2,895/mo
Deposit HK$9.82M · loan HK$9.82M · min. income ≈ HK$95,156/mo (50% DSR)
Upfront cash ≈ HK$10.55M (deposit + AVD stamp duty HK$736,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,807
−HK$2,691/mo
▼ 0.25% · 3.875%
HK$51,143
−HK$1,355/mo
Today · 4.125%
HK$52,498
baseline
▲ 0.50% · 4.625%
HK$55,265
+HK$2,767/mo
Deposit HK$9.82M · loan HK$9.82M · min. income ≈ HK$104,996/mo (50% DSR)
Upfront cash ≈ HK$10.55M (deposit + AVD stamp duty HK$736,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,725
−HK$3,369/mo
▼ 0.25% · 3.875%
HK$55,396
−HK$1,698/mo
Today · 4.125%
HK$57,094
baseline
▲ 0.50% · 4.625%
HK$60,568
+HK$3,474/mo
Deposit HK$7.85M · loan HK$11.78M · min. income ≈ HK$114,188/mo (50% DSR)
Upfront cash ≈ HK$8.59M (deposit + AVD stamp duty HK$736,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,768
−HK$3,229/mo
▼ 0.25% · 3.875%
HK$61,371
−HK$1,626/mo
Today · 4.125%
HK$62,997
baseline
▲ 0.50% · 4.625%
HK$66,318
+HK$3,321/mo
Deposit HK$7.85M · loan HK$11.78M · min. income ≈ HK$125,994/mo (50% DSR)
Upfront cash ≈ HK$8.59M (deposit + AVD stamp duty HK$736,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,679
−HK$3,930/mo
▼ 0.25% · 3.875%
HK$64,628
−HK$1,981/mo
Today · 4.125%
HK$66,609
baseline
▲ 0.50% · 4.625%
HK$70,662
+HK$4,053/mo
Deposit HK$5.89M · loan HK$13.74M · min. income ≈ HK$133,218/mo (50% DSR)
Upfront cash ≈ HK$6.63M (deposit + AVD stamp duty HK$736,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,730
−HK$3,767/mo
▼ 0.25% · 3.875%
HK$71,600
−HK$1,897/mo
Today · 4.125%
HK$73,497
baseline
▲ 0.50% · 4.625%
HK$77,371
+HK$3,874/mo
Deposit HK$5.89M · loan HK$13.74M · min. income ≈ HK$146,994/mo (50% DSR)
Upfront cash ≈ HK$6.63M (deposit + AVD stamp duty HK$736,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,587
−HK$5,054/mo
▼ 0.25% · 3.875%
HK$83,094
−HK$2,547/mo
Today · 4.125%
HK$85,641
baseline
▲ 0.50% · 4.625%
HK$90,852
+HK$5,211/mo
Deposit HK$1.96M · loan HK$17.67M · min. income ≈ HK$171,282/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$736,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,652
−HK$4,844/mo
▼ 0.25% · 3.875%
HK$92,057
−HK$2,439/mo
Today · 4.125%
HK$94,496
baseline
▲ 0.50% · 4.625%
HK$99,477
+HK$4,981/mo
Deposit HK$1.96M · loan HK$17.67M · min. income ≈ HK$188,992/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$736,276 · Scale 2, in force from 26 Feb 2026)