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$44,801
−HK$2,809/mo
▼ 0.25% · 3.875%
HK$46,194
−HK$1,416/mo
Today · 4.125%
HK$47,610
baseline
▲ 0.50% · 4.625%
HK$50,507
+HK$2,897/mo
Deposit HK$9.82M · loan HK$9.82M · min. income ≈ HK$95,220/mo (50% DSR)
Upfront cash ≈ HK$10.56M (deposit + AVD stamp duty HK$736,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,840
−HK$2,693/mo
▼ 0.25% · 3.875%
HK$51,177
−HK$1,356/mo
Today · 4.125%
HK$52,533
baseline
▲ 0.50% · 4.625%
HK$55,302
+HK$2,769/mo
Deposit HK$9.82M · loan HK$9.82M · min. income ≈ HK$105,066/mo (50% DSR)
Upfront cash ≈ HK$10.56M (deposit + AVD stamp duty HK$736,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,761
−HK$3,371/mo
▼ 0.25% · 3.875%
HK$55,433
−HK$1,699/mo
Today · 4.125%
HK$57,132
baseline
▲ 0.50% · 4.625%
HK$60,609
+HK$3,477/mo
Deposit HK$7.86M · loan HK$11.79M · min. income ≈ HK$114,264/mo (50% DSR)
Upfront cash ≈ HK$8.60M (deposit + AVD stamp duty HK$736,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,808
−HK$3,232/mo
▼ 0.25% · 3.875%
HK$61,412
−HK$1,628/mo
Today · 4.125%
HK$63,040
baseline
▲ 0.50% · 4.625%
HK$66,363
+HK$3,323/mo
Deposit HK$7.86M · loan HK$11.79M · min. income ≈ HK$126,080/mo (50% DSR)
Upfront cash ≈ HK$8.60M (deposit + AVD stamp duty HK$736,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,721
−HK$3,933/mo
▼ 0.25% · 3.875%
HK$64,672
−HK$1,982/mo
Today · 4.125%
HK$66,654
baseline
▲ 0.50% · 4.625%
HK$70,710
+HK$4,056/mo
Deposit HK$5.89M · loan HK$13.75M · min. income ≈ HK$133,308/mo (50% DSR)
Upfront cash ≈ HK$6.63M (deposit + AVD stamp duty HK$736,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,777
−HK$3,769/mo
▼ 0.25% · 3.875%
HK$71,648
−HK$1,898/mo
Today · 4.125%
HK$73,546
baseline
▲ 0.50% · 4.625%
HK$77,423
+HK$3,877/mo
Deposit HK$5.89M · loan HK$13.75M · min. income ≈ HK$147,092/mo (50% DSR)
Upfront cash ≈ HK$6.63M (deposit + AVD stamp duty HK$736,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,641
−HK$5,057/mo
▼ 0.25% · 3.875%
HK$83,150
−HK$2,548/mo
Today · 4.125%
HK$85,698
baseline
▲ 0.50% · 4.625%
HK$90,913
+HK$5,215/mo
Deposit HK$1.96M · loan HK$17.68M · min. income ≈ HK$171,396/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$736,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,713
−HK$4,847/mo
▼ 0.25% · 3.875%
HK$92,119
−HK$2,441/mo
Today · 4.125%
HK$94,560
baseline
▲ 0.50% · 4.625%
HK$99,544
+HK$4,984/mo
Deposit HK$1.96M · loan HK$17.68M · min. income ≈ HK$189,120/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$736,772 · Scale 2, in force from 26 Feb 2026)