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$44,764
−HK$2,807/mo
▼ 0.25% · 3.875%
HK$46,156
−HK$1,415/mo
Today · 4.125%
HK$47,571
baseline
▲ 0.50% · 4.625%
HK$50,465
+HK$2,894/mo
Deposit HK$9.82M · loan HK$9.82M · min. income ≈ HK$95,142/mo (50% DSR)
Upfront cash ≈ HK$10.55M (deposit + AVD stamp duty HK$736,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,799
−HK$2,691/mo
▼ 0.25% · 3.875%
HK$51,135
−HK$1,355/mo
Today · 4.125%
HK$52,490
baseline
▲ 0.50% · 4.625%
HK$55,256
+HK$2,766/mo
Deposit HK$9.82M · loan HK$9.82M · min. income ≈ HK$104,980/mo (50% DSR)
Upfront cash ≈ HK$10.55M (deposit + AVD stamp duty HK$736,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,716
−HK$3,369/mo
▼ 0.25% · 3.875%
HK$55,387
−HK$1,698/mo
Today · 4.125%
HK$57,085
baseline
▲ 0.50% · 4.625%
HK$60,558
+HK$3,473/mo
Deposit HK$7.85M · loan HK$11.78M · min. income ≈ HK$114,170/mo (50% DSR)
Upfront cash ≈ HK$8.59M (deposit + AVD stamp duty HK$736,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,759
−HK$3,229/mo
▼ 0.25% · 3.875%
HK$61,362
−HK$1,626/mo
Today · 4.125%
HK$62,988
baseline
▲ 0.50% · 4.625%
HK$66,308
+HK$3,320/mo
Deposit HK$7.85M · loan HK$11.78M · min. income ≈ HK$125,976/mo (50% DSR)
Upfront cash ≈ HK$8.59M (deposit + AVD stamp duty HK$736,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,669
−HK$3,930/mo
▼ 0.25% · 3.875%
HK$64,619
−HK$1,980/mo
Today · 4.125%
HK$66,599
baseline
▲ 0.50% · 4.625%
HK$70,651
+HK$4,052/mo
Deposit HK$5.89M · loan HK$13.74M · min. income ≈ HK$133,198/mo (50% DSR)
Upfront cash ≈ HK$6.63M (deposit + AVD stamp duty HK$736,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,719
−HK$3,767/mo
▼ 0.25% · 3.875%
HK$71,589
−HK$1,897/mo
Today · 4.125%
HK$73,486
baseline
▲ 0.50% · 4.625%
HK$77,359
+HK$3,873/mo
Deposit HK$5.89M · loan HK$13.74M · min. income ≈ HK$146,972/mo (50% DSR)
Upfront cash ≈ HK$6.63M (deposit + AVD stamp duty HK$736,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,575
−HK$5,052/mo
▼ 0.25% · 3.875%
HK$83,081
−HK$2,546/mo
Today · 4.125%
HK$85,627
baseline
▲ 0.50% · 4.625%
HK$90,838
+HK$5,211/mo
Deposit HK$1.96M · loan HK$17.67M · min. income ≈ HK$171,254/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$736,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,638
−HK$4,843/mo
▼ 0.25% · 3.875%
HK$92,043
−HK$2,438/mo
Today · 4.125%
HK$94,481
baseline
▲ 0.50% · 4.625%
HK$99,462
+HK$4,981/mo
Deposit HK$1.96M · loan HK$17.67M · min. income ≈ HK$188,962/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$736,163 · Scale 2, in force from 26 Feb 2026)