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$44,773
−HK$2,808/mo
▼ 0.25% · 3.875%
HK$46,166
−HK$1,415/mo
Today · 4.125%
HK$47,581
baseline
▲ 0.50% · 4.625%
HK$50,476
+HK$2,895/mo
Deposit HK$9.82M · loan HK$9.82M · min. income ≈ HK$95,162/mo (50% DSR)
Upfront cash ≈ HK$10.55M (deposit + AVD stamp duty HK$736,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,810
−HK$2,691/mo
▼ 0.25% · 3.875%
HK$51,145
−HK$1,356/mo
Today · 4.125%
HK$52,501
baseline
▲ 0.50% · 4.625%
HK$55,268
+HK$2,767/mo
Deposit HK$9.82M · loan HK$9.82M · min. income ≈ HK$105,002/mo (50% DSR)
Upfront cash ≈ HK$10.55M (deposit + AVD stamp duty HK$736,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,728
−HK$3,369/mo
▼ 0.25% · 3.875%
HK$55,399
−HK$1,698/mo
Today · 4.125%
HK$57,097
baseline
▲ 0.50% · 4.625%
HK$60,571
+HK$3,474/mo
Deposit HK$7.85M · loan HK$11.78M · min. income ≈ HK$114,194/mo (50% DSR)
Upfront cash ≈ HK$8.59M (deposit + AVD stamp duty HK$736,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,772
−HK$3,229/mo
▼ 0.25% · 3.875%
HK$61,375
−HK$1,626/mo
Today · 4.125%
HK$63,001
baseline
▲ 0.50% · 4.625%
HK$66,322
+HK$3,321/mo
Deposit HK$7.85M · loan HK$11.78M · min. income ≈ HK$126,002/mo (50% DSR)
Upfront cash ≈ HK$8.59M (deposit + AVD stamp duty HK$736,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,682
−HK$3,931/mo
▼ 0.25% · 3.875%
HK$64,632
−HK$1,981/mo
Today · 4.125%
HK$66,613
baseline
▲ 0.50% · 4.625%
HK$70,666
+HK$4,053/mo
Deposit HK$5.89M · loan HK$13.74M · min. income ≈ HK$133,226/mo (50% DSR)
Upfront cash ≈ HK$6.63M (deposit + AVD stamp duty HK$736,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,733
−HK$3,768/mo
▼ 0.25% · 3.875%
HK$71,604
−HK$1,897/mo
Today · 4.125%
HK$73,501
baseline
▲ 0.50% · 4.625%
HK$77,375
+HK$3,874/mo
Deposit HK$5.89M · loan HK$13.74M · min. income ≈ HK$147,002/mo (50% DSR)
Upfront cash ≈ HK$6.63M (deposit + AVD stamp duty HK$736,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,592
−HK$5,053/mo
▼ 0.25% · 3.875%
HK$83,098
−HK$2,547/mo
Today · 4.125%
HK$85,645
baseline
▲ 0.50% · 4.625%
HK$90,857
+HK$5,212/mo
Deposit HK$1.96M · loan HK$17.67M · min. income ≈ HK$171,290/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$736,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,657
−HK$4,844/mo
▼ 0.25% · 3.875%
HK$92,062
−HK$2,439/mo
Today · 4.125%
HK$94,501
baseline
▲ 0.50% · 4.625%
HK$99,482
+HK$4,981/mo
Deposit HK$1.96M · loan HK$17.67M · min. income ≈ HK$189,002/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$736,317 · Scale 2, in force from 26 Feb 2026)