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$44,418
−HK$2,785/mo
▼ 0.25% · 3.875%
HK$45,799
−HK$1,404/mo
Today · 4.125%
HK$47,203
baseline
▲ 0.50% · 4.625%
HK$50,075
+HK$2,872/mo
Deposit HK$9.74M · loan HK$9.74M · min. income ≈ HK$94,406/mo (50% DSR)
Upfront cash ≈ HK$10.47M (deposit + AVD stamp duty HK$730,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,414
−HK$2,670/mo
▼ 0.25% · 3.875%
HK$50,739
−HK$1,345/mo
Today · 4.125%
HK$52,084
baseline
▲ 0.50% · 4.625%
HK$54,829
+HK$2,745/mo
Deposit HK$9.74M · loan HK$9.74M · min. income ≈ HK$104,168/mo (50% DSR)
Upfront cash ≈ HK$10.47M (deposit + AVD stamp duty HK$730,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,301
−HK$3,342/mo
▼ 0.25% · 3.875%
HK$54,959
−HK$1,684/mo
Today · 4.125%
HK$56,643
baseline
▲ 0.50% · 4.625%
HK$60,090
+HK$3,447/mo
Deposit HK$7.79M · loan HK$11.69M · min. income ≈ HK$113,286/mo (50% DSR)
Upfront cash ≈ HK$8.52M (deposit + AVD stamp duty HK$730,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,297
−HK$3,204/mo
▼ 0.25% · 3.875%
HK$60,887
−HK$1,614/mo
Today · 4.125%
HK$62,501
baseline
▲ 0.50% · 4.625%
HK$65,795
+HK$3,294/mo
Deposit HK$7.79M · loan HK$11.69M · min. income ≈ HK$125,002/mo (50% DSR)
Upfront cash ≈ HK$8.52M (deposit + AVD stamp duty HK$730,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,185
−HK$3,899/mo
▼ 0.25% · 3.875%
HK$64,119
−HK$1,965/mo
Today · 4.125%
HK$66,084
baseline
▲ 0.50% · 4.625%
HK$70,105
+HK$4,021/mo
Deposit HK$5.84M · loan HK$13.64M · min. income ≈ HK$132,168/mo (50% DSR)
Upfront cash ≈ HK$6.57M (deposit + AVD stamp duty HK$730,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,180
−HK$3,737/mo
▼ 0.25% · 3.875%
HK$71,035
−HK$1,882/mo
Today · 4.125%
HK$72,917
baseline
▲ 0.50% · 4.625%
HK$76,761
+HK$3,844/mo
Deposit HK$5.84M · loan HK$13.64M · min. income ≈ HK$145,834/mo (50% DSR)
Upfront cash ≈ HK$6.57M (deposit + AVD stamp duty HK$730,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,952
−HK$5,013/mo
▼ 0.25% · 3.875%
HK$82,439
−HK$2,526/mo
Today · 4.125%
HK$84,965
baseline
▲ 0.50% · 4.625%
HK$90,135
+HK$5,170/mo
Deposit HK$1.95M · loan HK$17.53M · min. income ≈ HK$169,930/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$730,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,945
−HK$4,806/mo
▼ 0.25% · 3.875%
HK$91,331
−HK$2,420/mo
Today · 4.125%
HK$93,751
baseline
▲ 0.50% · 4.625%
HK$98,692
+HK$4,941/mo
Deposit HK$1.95M · loan HK$17.53M · min. income ≈ HK$187,502/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$730,470 · Scale 2, in force from 26 Feb 2026)