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$44,650
−HK$2,800/mo
▼ 0.25% · 3.875%
HK$46,039
−HK$1,411/mo
Today · 4.125%
HK$47,450
baseline
▲ 0.50% · 4.625%
HK$50,337
+HK$2,887/mo
Deposit HK$9.79M · loan HK$9.79M · min. income ≈ HK$94,900/mo (50% DSR)
Upfront cash ≈ HK$10.52M (deposit + AVD stamp duty HK$734,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,673
−HK$2,683/mo
▼ 0.25% · 3.875%
HK$51,005
−HK$1,351/mo
Today · 4.125%
HK$52,356
baseline
▲ 0.50% · 4.625%
HK$55,116
+HK$2,760/mo
Deposit HK$9.79M · loan HK$9.79M · min. income ≈ HK$104,712/mo (50% DSR)
Upfront cash ≈ HK$10.52M (deposit + AVD stamp duty HK$734,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,580
−HK$3,360/mo
▼ 0.25% · 3.875%
HK$55,247
−HK$1,693/mo
Today · 4.125%
HK$56,940
baseline
▲ 0.50% · 4.625%
HK$60,405
+HK$3,465/mo
Deposit HK$7.83M · loan HK$11.75M · min. income ≈ HK$113,880/mo (50% DSR)
Upfront cash ≈ HK$8.57M (deposit + AVD stamp duty HK$734,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,607
−HK$3,221/mo
▼ 0.25% · 3.875%
HK$61,206
−HK$1,622/mo
Today · 4.125%
HK$62,828
baseline
▲ 0.50% · 4.625%
HK$66,139
+HK$3,311/mo
Deposit HK$7.83M · loan HK$11.75M · min. income ≈ HK$125,656/mo (50% DSR)
Upfront cash ≈ HK$8.57M (deposit + AVD stamp duty HK$734,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,510
−HK$3,920/mo
▼ 0.25% · 3.875%
HK$64,454
−HK$1,976/mo
Today · 4.125%
HK$66,430
baseline
▲ 0.50% · 4.625%
HK$70,472
+HK$4,042/mo
Deposit HK$5.87M · loan HK$13.71M · min. income ≈ HK$132,860/mo (50% DSR)
Upfront cash ≈ HK$6.61M (deposit + AVD stamp duty HK$734,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,542
−HK$3,757/mo
▼ 0.25% · 3.875%
HK$71,407
−HK$1,892/mo
Today · 4.125%
HK$73,299
baseline
▲ 0.50% · 4.625%
HK$77,162
+HK$3,863/mo
Deposit HK$5.87M · loan HK$13.71M · min. income ≈ HK$146,598/mo (50% DSR)
Upfront cash ≈ HK$6.61M (deposit + AVD stamp duty HK$734,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,370
−HK$5,040/mo
▼ 0.25% · 3.875%
HK$82,870
−HK$2,540/mo
Today · 4.125%
HK$85,410
baseline
▲ 0.50% · 4.625%
HK$90,607
+HK$5,197/mo
Deposit HK$1.96M · loan HK$17.62M · min. income ≈ HK$170,820/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$734,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,411
−HK$4,830/mo
▼ 0.25% · 3.875%
HK$91,809
−HK$2,432/mo
Today · 4.125%
HK$94,241
baseline
▲ 0.50% · 4.625%
HK$99,209
+HK$4,968/mo
Deposit HK$1.96M · loan HK$17.62M · min. income ≈ HK$188,482/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$734,292 · Scale 2, in force from 26 Feb 2026)