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$44,425
−HK$2,786/mo
▼ 0.25% · 3.875%
HK$45,807
−HK$1,404/mo
Today · 4.125%
HK$47,211
baseline
▲ 0.50% · 4.625%
HK$50,083
+HK$2,872/mo
Deposit HK$9.74M · loan HK$9.74M · min. income ≈ HK$94,422/mo (50% DSR)
Upfront cash ≈ HK$10.47M (deposit + AVD stamp duty HK$730,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,422
−HK$2,670/mo
▼ 0.25% · 3.875%
HK$50,748
−HK$1,344/mo
Today · 4.125%
HK$52,092
baseline
▲ 0.50% · 4.625%
HK$54,838
+HK$2,746/mo
Deposit HK$9.74M · loan HK$9.74M · min. income ≈ HK$104,184/mo (50% DSR)
Upfront cash ≈ HK$10.47M (deposit + AVD stamp duty HK$730,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,310
−HK$3,343/mo
▼ 0.25% · 3.875%
HK$54,968
−HK$1,685/mo
Today · 4.125%
HK$56,653
baseline
▲ 0.50% · 4.625%
HK$60,100
+HK$3,447/mo
Deposit HK$7.79M · loan HK$11.69M · min. income ≈ HK$113,306/mo (50% DSR)
Upfront cash ≈ HK$8.52M (deposit + AVD stamp duty HK$730,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,306
−HK$3,205/mo
▼ 0.25% · 3.875%
HK$60,897
−HK$1,614/mo
Today · 4.125%
HK$62,511
baseline
▲ 0.50% · 4.625%
HK$65,806
+HK$3,295/mo
Deposit HK$7.79M · loan HK$11.69M · min. income ≈ HK$125,022/mo (50% DSR)
Upfront cash ≈ HK$8.52M (deposit + AVD stamp duty HK$730,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,195
−HK$3,900/mo
▼ 0.25% · 3.875%
HK$64,129
−HK$1,966/mo
Today · 4.125%
HK$66,095
baseline
▲ 0.50% · 4.625%
HK$70,116
+HK$4,021/mo
Deposit HK$5.84M · loan HK$13.64M · min. income ≈ HK$132,190/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$730,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,191
−HK$3,738/mo
▼ 0.25% · 3.875%
HK$71,047
−HK$1,882/mo
Today · 4.125%
HK$72,929
baseline
▲ 0.50% · 4.625%
HK$76,773
+HK$3,844/mo
Deposit HK$5.84M · loan HK$13.64M · min. income ≈ HK$145,858/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$730,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,964
−HK$5,015/mo
▼ 0.25% · 3.875%
HK$82,452
−HK$2,527/mo
Today · 4.125%
HK$84,979
baseline
▲ 0.50% · 4.625%
HK$90,150
+HK$5,171/mo
Deposit HK$1.95M · loan HK$17.53M · min. income ≈ HK$169,958/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$730,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,960
−HK$4,806/mo
▼ 0.25% · 3.875%
HK$91,346
−HK$2,420/mo
Today · 4.125%
HK$93,766
baseline
▲ 0.50% · 4.625%
HK$98,708
+HK$4,942/mo
Deposit HK$1.95M · loan HK$17.53M · min. income ≈ HK$187,532/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$730,588 · Scale 2, in force from 26 Feb 2026)