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$44,780
−HK$2,808/mo
▼ 0.25% · 3.875%
HK$46,173
−HK$1,415/mo
Today · 4.125%
HK$47,588
baseline
▲ 0.50% · 4.625%
HK$50,484
+HK$2,896/mo
Deposit HK$9.82M · loan HK$9.82M · min. income ≈ HK$95,176/mo (50% DSR)
Upfront cash ≈ HK$10.56M (deposit + AVD stamp duty HK$736,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,818
−HK$2,691/mo
▼ 0.25% · 3.875%
HK$51,154
−HK$1,355/mo
Today · 4.125%
HK$52,509
baseline
▲ 0.50% · 4.625%
HK$55,277
+HK$2,768/mo
Deposit HK$9.82M · loan HK$9.82M · min. income ≈ HK$105,018/mo (50% DSR)
Upfront cash ≈ HK$10.56M (deposit + AVD stamp duty HK$736,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,736
−HK$3,370/mo
▼ 0.25% · 3.875%
HK$55,408
−HK$1,698/mo
Today · 4.125%
HK$57,106
baseline
▲ 0.50% · 4.625%
HK$60,581
+HK$3,475/mo
Deposit HK$7.86M · loan HK$11.78M · min. income ≈ HK$114,212/mo (50% DSR)
Upfront cash ≈ HK$8.59M (deposit + AVD stamp duty HK$736,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,781
−HK$3,230/mo
▼ 0.25% · 3.875%
HK$61,384
−HK$1,627/mo
Today · 4.125%
HK$63,011
baseline
▲ 0.50% · 4.625%
HK$66,332
+HK$3,321/mo
Deposit HK$7.86M · loan HK$11.78M · min. income ≈ HK$126,022/mo (50% DSR)
Upfront cash ≈ HK$8.59M (deposit + AVD stamp duty HK$736,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,692
−HK$3,932/mo
▼ 0.25% · 3.875%
HK$64,642
−HK$1,982/mo
Today · 4.125%
HK$66,624
baseline
▲ 0.50% · 4.625%
HK$70,678
+HK$4,054/mo
Deposit HK$5.89M · loan HK$13.75M · min. income ≈ HK$133,248/mo (50% DSR)
Upfront cash ≈ HK$6.63M (deposit + AVD stamp duty HK$736,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,745
−HK$3,768/mo
▼ 0.25% · 3.875%
HK$71,615
−HK$1,898/mo
Today · 4.125%
HK$73,513
baseline
▲ 0.50% · 4.625%
HK$77,388
+HK$3,875/mo
Deposit HK$5.89M · loan HK$13.75M · min. income ≈ HK$147,026/mo (50% DSR)
Upfront cash ≈ HK$6.63M (deposit + AVD stamp duty HK$736,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,604
−HK$5,055/mo
▼ 0.25% · 3.875%
HK$83,112
−HK$2,547/mo
Today · 4.125%
HK$85,659
baseline
▲ 0.50% · 4.625%
HK$90,871
+HK$5,212/mo
Deposit HK$1.96M · loan HK$17.67M · min. income ≈ HK$171,318/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$736,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,672
−HK$4,844/mo
▼ 0.25% · 3.875%
HK$92,076
−HK$2,440/mo
Today · 4.125%
HK$94,516
baseline
▲ 0.50% · 4.625%
HK$99,498
+HK$4,982/mo
Deposit HK$1.96M · loan HK$17.67M · min. income ≈ HK$189,032/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$736,434 · Scale 2, in force from 26 Feb 2026)