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$44,768
−HK$2,807/mo
▼ 0.25% · 3.875%
HK$46,161
−HK$1,414/mo
Today · 4.125%
HK$47,575
baseline
▲ 0.50% · 4.625%
HK$50,470
+HK$2,895/mo
Deposit HK$9.82M · loan HK$9.82M · min. income ≈ HK$95,150/mo (50% DSR)
Upfront cash ≈ HK$10.55M (deposit + AVD stamp duty HK$736,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,804
−HK$2,691/mo
▼ 0.25% · 3.875%
HK$51,140
−HK$1,355/mo
Today · 4.125%
HK$52,495
baseline
▲ 0.50% · 4.625%
HK$55,262
+HK$2,767/mo
Deposit HK$9.82M · loan HK$9.82M · min. income ≈ HK$104,990/mo (50% DSR)
Upfront cash ≈ HK$10.55M (deposit + AVD stamp duty HK$736,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,722
−HK$3,368/mo
▼ 0.25% · 3.875%
HK$55,393
−HK$1,697/mo
Today · 4.125%
HK$57,090
baseline
▲ 0.50% · 4.625%
HK$60,564
+HK$3,474/mo
Deposit HK$7.85M · loan HK$11.78M · min. income ≈ HK$114,180/mo (50% DSR)
Upfront cash ≈ HK$8.59M (deposit + AVD stamp duty HK$736,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,765
−HK$3,229/mo
▼ 0.25% · 3.875%
HK$61,368
−HK$1,626/mo
Today · 4.125%
HK$62,994
baseline
▲ 0.50% · 4.625%
HK$66,314
+HK$3,320/mo
Deposit HK$7.85M · loan HK$11.78M · min. income ≈ HK$125,988/mo (50% DSR)
Upfront cash ≈ HK$8.59M (deposit + AVD stamp duty HK$736,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,675
−HK$3,930/mo
▼ 0.25% · 3.875%
HK$64,625
−HK$1,980/mo
Today · 4.125%
HK$66,605
baseline
▲ 0.50% · 4.625%
HK$70,658
+HK$4,053/mo
Deposit HK$5.89M · loan HK$13.74M · min. income ≈ HK$133,210/mo (50% DSR)
Upfront cash ≈ HK$6.63M (deposit + AVD stamp duty HK$736,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,726
−HK$3,767/mo
▼ 0.25% · 3.875%
HK$71,596
−HK$1,897/mo
Today · 4.125%
HK$73,493
baseline
▲ 0.50% · 4.625%
HK$77,366
+HK$3,873/mo
Deposit HK$5.89M · loan HK$13.74M · min. income ≈ HK$146,986/mo (50% DSR)
Upfront cash ≈ HK$6.63M (deposit + AVD stamp duty HK$736,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,582
−HK$5,054/mo
▼ 0.25% · 3.875%
HK$83,089
−HK$2,547/mo
Today · 4.125%
HK$85,636
baseline
▲ 0.50% · 4.625%
HK$90,846
+HK$5,210/mo
Deposit HK$1.96M · loan HK$17.67M · min. income ≈ HK$171,272/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$736,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,647
−HK$4,843/mo
▼ 0.25% · 3.875%
HK$92,051
−HK$2,439/mo
Today · 4.125%
HK$94,490
baseline
▲ 0.50% · 4.625%
HK$99,471
+HK$4,981/mo
Deposit HK$1.96M · loan HK$17.67M · min. income ≈ HK$188,980/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$736,233 · Scale 2, in force from 26 Feb 2026)