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$44,431
−HK$2,786/mo
▼ 0.25% · 3.875%
HK$45,813
−HK$1,404/mo
Today · 4.125%
HK$47,217
baseline
▲ 0.50% · 4.625%
HK$50,090
+HK$2,873/mo
Deposit HK$9.74M · loan HK$9.74M · min. income ≈ HK$94,434/mo (50% DSR)
Upfront cash ≈ HK$10.47M (deposit + AVD stamp duty HK$730,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,429
−HK$2,670/mo
▼ 0.25% · 3.875%
HK$50,754
−HK$1,345/mo
Today · 4.125%
HK$52,099
baseline
▲ 0.50% · 4.625%
HK$54,845
+HK$2,746/mo
Deposit HK$9.74M · loan HK$9.74M · min. income ≈ HK$104,198/mo (50% DSR)
Upfront cash ≈ HK$10.47M (deposit + AVD stamp duty HK$730,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,317
−HK$3,343/mo
▼ 0.25% · 3.875%
HK$54,975
−HK$1,685/mo
Today · 4.125%
HK$56,660
baseline
▲ 0.50% · 4.625%
HK$60,108
+HK$3,448/mo
Deposit HK$7.79M · loan HK$11.69M · min. income ≈ HK$113,320/mo (50% DSR)
Upfront cash ≈ HK$8.52M (deposit + AVD stamp duty HK$730,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,314
−HK$3,205/mo
▼ 0.25% · 3.875%
HK$60,905
−HK$1,614/mo
Today · 4.125%
HK$62,519
baseline
▲ 0.50% · 4.625%
HK$65,814
+HK$3,295/mo
Deposit HK$7.79M · loan HK$11.69M · min. income ≈ HK$125,038/mo (50% DSR)
Upfront cash ≈ HK$8.52M (deposit + AVD stamp duty HK$730,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,203
−HK$3,901/mo
▼ 0.25% · 3.875%
HK$64,138
−HK$1,966/mo
Today · 4.125%
HK$66,104
baseline
▲ 0.50% · 4.625%
HK$70,126
+HK$4,022/mo
Deposit HK$5.85M · loan HK$13.64M · min. income ≈ HK$132,208/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$730,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,200
−HK$3,739/mo
▼ 0.25% · 3.875%
HK$71,056
−HK$1,883/mo
Today · 4.125%
HK$72,939
baseline
▲ 0.50% · 4.625%
HK$76,783
+HK$3,844/mo
Deposit HK$5.85M · loan HK$13.64M · min. income ≈ HK$145,878/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$730,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,975
−HK$5,015/mo
▼ 0.25% · 3.875%
HK$82,463
−HK$2,527/mo
Today · 4.125%
HK$84,990
baseline
▲ 0.50% · 4.625%
HK$90,162
+HK$5,172/mo
Deposit HK$1.95M · loan HK$17.54M · min. income ≈ HK$169,980/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$730,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,971
−HK$4,807/mo
▼ 0.25% · 3.875%
HK$91,358
−HK$2,420/mo
Today · 4.125%
HK$93,778
baseline
▲ 0.50% · 4.625%
HK$98,722
+HK$4,944/mo
Deposit HK$1.95M · loan HK$17.54M · min. income ≈ HK$187,556/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$730,685 · Scale 2, in force from 26 Feb 2026)