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$44,394
−HK$2,784/mo
▼ 0.25% · 3.875%
HK$45,775
−HK$1,403/mo
Today · 4.125%
HK$47,178
baseline
▲ 0.50% · 4.625%
HK$50,048
+HK$2,870/mo
Deposit HK$9.73M · loan HK$9.73M · min. income ≈ HK$94,356/mo (50% DSR)
Upfront cash ≈ HK$10.46M (deposit + AVD stamp duty HK$730,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,388
−HK$2,668/mo
▼ 0.25% · 3.875%
HK$50,712
−HK$1,344/mo
Today · 4.125%
HK$52,056
baseline
▲ 0.50% · 4.625%
HK$54,800
+HK$2,744/mo
Deposit HK$9.73M · loan HK$9.73M · min. income ≈ HK$104,112/mo (50% DSR)
Upfront cash ≈ HK$10.46M (deposit + AVD stamp duty HK$730,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,272
−HK$3,341/mo
▼ 0.25% · 3.875%
HK$54,930
−HK$1,683/mo
Today · 4.125%
HK$56,613
baseline
▲ 0.50% · 4.625%
HK$60,058
+HK$3,445/mo
Deposit HK$7.79M · loan HK$11.68M · min. income ≈ HK$113,226/mo (50% DSR)
Upfront cash ≈ HK$8.52M (deposit + AVD stamp duty HK$730,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,265
−HK$3,202/mo
▼ 0.25% · 3.875%
HK$60,855
−HK$1,612/mo
Today · 4.125%
HK$62,467
baseline
▲ 0.50% · 4.625%
HK$65,760
+HK$3,293/mo
Deposit HK$7.79M · loan HK$11.68M · min. income ≈ HK$124,934/mo (50% DSR)
Upfront cash ≈ HK$8.52M (deposit + AVD stamp duty HK$730,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,151
−HK$3,898/mo
▼ 0.25% · 3.875%
HK$64,084
−HK$1,965/mo
Today · 4.125%
HK$66,049
baseline
▲ 0.50% · 4.625%
HK$70,068
+HK$4,019/mo
Deposit HK$5.84M · loan HK$13.63M · min. income ≈ HK$132,098/mo (50% DSR)
Upfront cash ≈ HK$6.57M (deposit + AVD stamp duty HK$730,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,143
−HK$3,735/mo
▼ 0.25% · 3.875%
HK$70,997
−HK$1,881/mo
Today · 4.125%
HK$72,878
baseline
▲ 0.50% · 4.625%
HK$76,720
+HK$3,842/mo
Deposit HK$5.84M · loan HK$13.63M · min. income ≈ HK$145,756/mo (50% DSR)
Upfront cash ≈ HK$6.57M (deposit + AVD stamp duty HK$730,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,909
−HK$5,011/mo
▼ 0.25% · 3.875%
HK$82,394
−HK$2,526/mo
Today · 4.125%
HK$84,920
baseline
▲ 0.50% · 4.625%
HK$90,087
+HK$5,167/mo
Deposit HK$1.95M · loan HK$17.52M · min. income ≈ HK$169,840/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$730,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,898
−HK$4,803/mo
▼ 0.25% · 3.875%
HK$91,282
−HK$2,419/mo
Today · 4.125%
HK$93,701
baseline
▲ 0.50% · 4.625%
HK$98,640
+HK$4,939/mo
Deposit HK$1.95M · loan HK$17.52M · min. income ≈ HK$187,402/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$730,079 · Scale 2, in force from 26 Feb 2026)