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$44,520
−HK$2,792/mo
▼ 0.25% · 3.875%
HK$45,905
−HK$1,407/mo
Today · 4.125%
HK$47,312
baseline
▲ 0.50% · 4.625%
HK$50,191
+HK$2,879/mo
Deposit HK$9.76M · loan HK$9.76M · min. income ≈ HK$94,624/mo (50% DSR)
Upfront cash ≈ HK$10.49M (deposit + AVD stamp duty HK$732,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,528
−HK$2,676/mo
▼ 0.25% · 3.875%
HK$50,857
−HK$1,347/mo
Today · 4.125%
HK$52,204
baseline
▲ 0.50% · 4.625%
HK$54,956
+HK$2,752/mo
Deposit HK$9.76M · loan HK$9.76M · min. income ≈ HK$104,408/mo (50% DSR)
Upfront cash ≈ HK$10.49M (deposit + AVD stamp duty HK$732,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,424
−HK$3,350/mo
▼ 0.25% · 3.875%
HK$55,086
−HK$1,688/mo
Today · 4.125%
HK$56,774
baseline
▲ 0.50% · 4.625%
HK$60,229
+HK$3,455/mo
Deposit HK$7.81M · loan HK$11.71M · min. income ≈ HK$113,548/mo (50% DSR)
Upfront cash ≈ HK$8.54M (deposit + AVD stamp duty HK$732,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,434
−HK$3,211/mo
▼ 0.25% · 3.875%
HK$61,028
−HK$1,617/mo
Today · 4.125%
HK$62,645
baseline
▲ 0.50% · 4.625%
HK$65,947
+HK$3,302/mo
Deposit HK$7.81M · loan HK$11.71M · min. income ≈ HK$125,290/mo (50% DSR)
Upfront cash ≈ HK$8.54M (deposit + AVD stamp duty HK$732,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,328
−HK$3,909/mo
▼ 0.25% · 3.875%
HK$64,267
−HK$1,970/mo
Today · 4.125%
HK$66,237
baseline
▲ 0.50% · 4.625%
HK$70,267
+HK$4,030/mo
Deposit HK$5.86M · loan HK$13.67M · min. income ≈ HK$132,474/mo (50% DSR)
Upfront cash ≈ HK$6.59M (deposit + AVD stamp duty HK$732,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,340
−HK$3,746/mo
▼ 0.25% · 3.875%
HK$71,199
−HK$1,887/mo
Today · 4.125%
HK$73,086
baseline
▲ 0.50% · 4.625%
HK$76,938
+HK$3,852/mo
Deposit HK$5.86M · loan HK$13.67M · min. income ≈ HK$146,172/mo (50% DSR)
Upfront cash ≈ HK$6.59M (deposit + AVD stamp duty HK$732,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,136
−HK$5,026/mo
▼ 0.25% · 3.875%
HK$82,629
−HK$2,533/mo
Today · 4.125%
HK$85,162
baseline
▲ 0.50% · 4.625%
HK$90,343
+HK$5,181/mo
Deposit HK$1.95M · loan HK$17.57M · min. income ≈ HK$170,324/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$732,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,151
−HK$4,816/mo
▼ 0.25% · 3.875%
HK$91,542
−HK$2,425/mo
Today · 4.125%
HK$93,967
baseline
▲ 0.50% · 4.625%
HK$98,920
+HK$4,953/mo
Deposit HK$1.95M · loan HK$17.57M · min. income ≈ HK$187,934/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$732,157 · Scale 2, in force from 26 Feb 2026)