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$44,740
−HK$2,806/mo
▼ 0.25% · 3.875%
HK$46,132
−HK$1,414/mo
Today · 4.125%
HK$47,546
baseline
▲ 0.50% · 4.625%
HK$50,439
+HK$2,893/mo
Deposit HK$9.81M · loan HK$9.81M · min. income ≈ HK$95,092/mo (50% DSR)
Upfront cash ≈ HK$10.55M (deposit + AVD stamp duty HK$735,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,773
−HK$2,689/mo
▼ 0.25% · 3.875%
HK$51,108
−HK$1,354/mo
Today · 4.125%
HK$52,462
baseline
▲ 0.50% · 4.625%
HK$55,228
+HK$2,766/mo
Deposit HK$9.81M · loan HK$9.81M · min. income ≈ HK$104,924/mo (50% DSR)
Upfront cash ≈ HK$10.55M (deposit + AVD stamp duty HK$735,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,688
−HK$3,367/mo
▼ 0.25% · 3.875%
HK$55,358
−HK$1,697/mo
Today · 4.125%
HK$57,055
baseline
▲ 0.50% · 4.625%
HK$60,527
+HK$3,472/mo
Deposit HK$7.85M · loan HK$11.77M · min. income ≈ HK$114,110/mo (50% DSR)
Upfront cash ≈ HK$8.58M (deposit + AVD stamp duty HK$735,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,728
−HK$3,227/mo
▼ 0.25% · 3.875%
HK$61,330
−HK$1,625/mo
Today · 4.125%
HK$62,955
baseline
▲ 0.50% · 4.625%
HK$66,273
+HK$3,318/mo
Deposit HK$7.85M · loan HK$11.77M · min. income ≈ HK$125,910/mo (50% DSR)
Upfront cash ≈ HK$8.58M (deposit + AVD stamp duty HK$735,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,636
−HK$3,928/mo
▼ 0.25% · 3.875%
HK$64,585
−HK$1,979/mo
Today · 4.125%
HK$66,564
baseline
▲ 0.50% · 4.625%
HK$70,615
+HK$4,051/mo
Deposit HK$5.89M · loan HK$13.73M · min. income ≈ HK$133,128/mo (50% DSR)
Upfront cash ≈ HK$6.62M (deposit + AVD stamp duty HK$735,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,682
−HK$3,765/mo
▼ 0.25% · 3.875%
HK$71,551
−HK$1,896/mo
Today · 4.125%
HK$73,447
baseline
▲ 0.50% · 4.625%
HK$77,319
+HK$3,872/mo
Deposit HK$5.89M · loan HK$13.73M · min. income ≈ HK$146,894/mo (50% DSR)
Upfront cash ≈ HK$6.62M (deposit + AVD stamp duty HK$735,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,533
−HK$5,050/mo
▼ 0.25% · 3.875%
HK$83,038
−HK$2,545/mo
Today · 4.125%
HK$85,583
baseline
▲ 0.50% · 4.625%
HK$90,790
+HK$5,207/mo
Deposit HK$1.96M · loan HK$17.66M · min. income ≈ HK$171,166/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$735,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,592
−HK$4,840/mo
▼ 0.25% · 3.875%
HK$91,994
−HK$2,438/mo
Today · 4.125%
HK$94,432
baseline
▲ 0.50% · 4.625%
HK$99,410
+HK$4,978/mo
Deposit HK$1.96M · loan HK$17.66M · min. income ≈ HK$188,864/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$735,778 · Scale 2, in force from 26 Feb 2026)