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$44,806
−HK$2,810/mo
▼ 0.25% · 3.875%
HK$46,200
−HK$1,416/mo
Today · 4.125%
HK$47,616
baseline
▲ 0.50% · 4.625%
HK$50,513
+HK$2,897/mo
Deposit HK$9.82M · loan HK$9.82M · min. income ≈ HK$95,232/mo (50% DSR)
Upfront cash ≈ HK$10.56M (deposit + AVD stamp duty HK$736,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,846
−HK$2,693/mo
▼ 0.25% · 3.875%
HK$51,183
−HK$1,356/mo
Today · 4.125%
HK$52,539
baseline
▲ 0.50% · 4.625%
HK$55,309
+HK$2,770/mo
Deposit HK$9.82M · loan HK$9.82M · min. income ≈ HK$105,078/mo (50% DSR)
Upfront cash ≈ HK$10.56M (deposit + AVD stamp duty HK$736,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,767
−HK$3,372/mo
▼ 0.25% · 3.875%
HK$55,440
−HK$1,699/mo
Today · 4.125%
HK$57,139
baseline
▲ 0.50% · 4.625%
HK$60,616
+HK$3,477/mo
Deposit HK$7.86M · loan HK$11.79M · min. income ≈ HK$114,278/mo (50% DSR)
Upfront cash ≈ HK$8.60M (deposit + AVD stamp duty HK$736,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,816
−HK$3,231/mo
▼ 0.25% · 3.875%
HK$61,420
−HK$1,627/mo
Today · 4.125%
HK$63,047
baseline
▲ 0.50% · 4.625%
HK$66,371
+HK$3,324/mo
Deposit HK$7.86M · loan HK$11.79M · min. income ≈ HK$126,094/mo (50% DSR)
Upfront cash ≈ HK$8.60M (deposit + AVD stamp duty HK$736,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,729
−HK$3,933/mo
▼ 0.25% · 3.875%
HK$64,680
−HK$1,982/mo
Today · 4.125%
HK$66,662
baseline
▲ 0.50% · 4.625%
HK$70,719
+HK$4,057/mo
Deposit HK$5.89M · loan HK$13.75M · min. income ≈ HK$133,324/mo (50% DSR)
Upfront cash ≈ HK$6.63M (deposit + AVD stamp duty HK$736,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,785
−HK$3,770/mo
▼ 0.25% · 3.875%
HK$71,657
−HK$1,898/mo
Today · 4.125%
HK$73,555
baseline
▲ 0.50% · 4.625%
HK$77,432
+HK$3,877/mo
Deposit HK$5.89M · loan HK$13.75M · min. income ≈ HK$147,110/mo (50% DSR)
Upfront cash ≈ HK$6.63M (deposit + AVD stamp duty HK$736,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,651
−HK$5,058/mo
▼ 0.25% · 3.875%
HK$83,160
−HK$2,549/mo
Today · 4.125%
HK$85,709
baseline
▲ 0.50% · 4.625%
HK$90,924
+HK$5,215/mo
Deposit HK$1.96M · loan HK$17.68M · min. income ≈ HK$171,418/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$736,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,724
−HK$4,847/mo
▼ 0.25% · 3.875%
HK$92,130
−HK$2,441/mo
Today · 4.125%
HK$94,571
baseline
▲ 0.50% · 4.625%
HK$99,556
+HK$4,985/mo
Deposit HK$1.96M · loan HK$17.68M · min. income ≈ HK$189,142/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$736,861 · Scale 2, in force from 26 Feb 2026)