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$44,799
−HK$2,809/mo
▼ 0.25% · 3.875%
HK$46,192
−HK$1,416/mo
Today · 4.125%
HK$47,608
baseline
▲ 0.50% · 4.625%
HK$50,505
+HK$2,897/mo
Deposit HK$9.82M · loan HK$9.82M · min. income ≈ HK$95,216/mo (50% DSR)
Upfront cash ≈ HK$10.56M (deposit + AVD stamp duty HK$736,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,838
−HK$2,693/mo
▼ 0.25% · 3.875%
HK$51,175
−HK$1,356/mo
Today · 4.125%
HK$52,531
baseline
▲ 0.50% · 4.625%
HK$55,300
+HK$2,769/mo
Deposit HK$9.82M · loan HK$9.82M · min. income ≈ HK$105,062/mo (50% DSR)
Upfront cash ≈ HK$10.56M (deposit + AVD stamp duty HK$736,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,758
−HK$3,372/mo
▼ 0.25% · 3.875%
HK$55,431
−HK$1,699/mo
Today · 4.125%
HK$57,130
baseline
▲ 0.50% · 4.625%
HK$60,606
+HK$3,476/mo
Deposit HK$7.86M · loan HK$11.79M · min. income ≈ HK$114,260/mo (50% DSR)
Upfront cash ≈ HK$8.60M (deposit + AVD stamp duty HK$736,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,806
−HK$3,231/mo
▼ 0.25% · 3.875%
HK$61,410
−HK$1,627/mo
Today · 4.125%
HK$63,037
baseline
▲ 0.50% · 4.625%
HK$66,360
+HK$3,323/mo
Deposit HK$7.86M · loan HK$11.79M · min. income ≈ HK$126,074/mo (50% DSR)
Upfront cash ≈ HK$8.60M (deposit + AVD stamp duty HK$736,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,718
−HK$3,933/mo
▼ 0.25% · 3.875%
HK$64,669
−HK$1,982/mo
Today · 4.125%
HK$66,651
baseline
▲ 0.50% · 4.625%
HK$70,707
+HK$4,056/mo
Deposit HK$5.89M · loan HK$13.75M · min. income ≈ HK$133,302/mo (50% DSR)
Upfront cash ≈ HK$6.63M (deposit + AVD stamp duty HK$736,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,773
−HK$3,770/mo
▼ 0.25% · 3.875%
HK$71,645
−HK$1,898/mo
Today · 4.125%
HK$73,543
baseline
▲ 0.50% · 4.625%
HK$77,420
+HK$3,877/mo
Deposit HK$5.89M · loan HK$13.75M · min. income ≈ HK$147,086/mo (50% DSR)
Upfront cash ≈ HK$6.63M (deposit + AVD stamp duty HK$736,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,638
−HK$5,056/mo
▼ 0.25% · 3.875%
HK$83,146
−HK$2,548/mo
Today · 4.125%
HK$85,694
baseline
▲ 0.50% · 4.625%
HK$90,909
+HK$5,215/mo
Deposit HK$1.96M · loan HK$17.68M · min. income ≈ HK$171,388/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$736,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,709
−HK$4,846/mo
▼ 0.25% · 3.875%
HK$92,115
−HK$2,440/mo
Today · 4.125%
HK$94,555
baseline
▲ 0.50% · 4.625%
HK$99,540
+HK$4,985/mo
Deposit HK$1.96M · loan HK$17.68M · min. income ≈ HK$189,110/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$736,739 · Scale 2, in force from 26 Feb 2026)