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$44,351
−HK$2,782/mo
▼ 0.25% · 3.875%
HK$45,731
−HK$1,402/mo
Today · 4.125%
HK$47,133
baseline
▲ 0.50% · 4.625%
HK$50,000
+HK$2,867/mo
Deposit HK$9.73M · loan HK$9.73M · min. income ≈ HK$94,266/mo (50% DSR)
Upfront cash ≈ HK$10.45M (deposit + AVD stamp duty HK$729,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,340
−HK$2,666/mo
▼ 0.25% · 3.875%
HK$50,664
−HK$1,342/mo
Today · 4.125%
HK$52,006
baseline
▲ 0.50% · 4.625%
HK$54,747
+HK$2,741/mo
Deposit HK$9.73M · loan HK$9.73M · min. income ≈ HK$104,012/mo (50% DSR)
Upfront cash ≈ HK$10.45M (deposit + AVD stamp duty HK$729,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,222
−HK$3,337/mo
▼ 0.25% · 3.875%
HK$54,877
−HK$1,682/mo
Today · 4.125%
HK$56,559
baseline
▲ 0.50% · 4.625%
HK$60,001
+HK$3,442/mo
Deposit HK$7.78M · loan HK$11.67M · min. income ≈ HK$113,118/mo (50% DSR)
Upfront cash ≈ HK$8.51M (deposit + AVD stamp duty HK$729,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,209
−HK$3,198/mo
▼ 0.25% · 3.875%
HK$60,796
−HK$1,611/mo
Today · 4.125%
HK$62,407
baseline
▲ 0.50% · 4.625%
HK$65,697
+HK$3,290/mo
Deposit HK$7.78M · loan HK$11.67M · min. income ≈ HK$124,814/mo (50% DSR)
Upfront cash ≈ HK$8.51M (deposit + AVD stamp duty HK$729,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,092
−HK$3,894/mo
▼ 0.25% · 3.875%
HK$64,023
−HK$1,963/mo
Today · 4.125%
HK$65,986
baseline
▲ 0.50% · 4.625%
HK$70,001
+HK$4,015/mo
Deposit HK$5.84M · loan HK$13.62M · min. income ≈ HK$131,972/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$729,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,077
−HK$3,732/mo
▼ 0.25% · 3.875%
HK$70,929
−HK$1,880/mo
Today · 4.125%
HK$72,809
baseline
▲ 0.50% · 4.625%
HK$76,646
+HK$3,837/mo
Deposit HK$5.84M · loan HK$13.62M · min. income ≈ HK$145,618/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$729,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,832
−HK$5,007/mo
▼ 0.25% · 3.875%
HK$82,316
−HK$2,523/mo
Today · 4.125%
HK$84,839
baseline
▲ 0.50% · 4.625%
HK$90,001
+HK$5,162/mo
Deposit HK$1.95M · loan HK$17.51M · min. income ≈ HK$169,678/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$729,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,813
−HK$4,798/mo
▼ 0.25% · 3.875%
HK$91,195
−HK$2,416/mo
Today · 4.125%
HK$93,611
baseline
▲ 0.50% · 4.625%
HK$98,545
+HK$4,934/mo
Deposit HK$1.95M · loan HK$17.51M · min. income ≈ HK$187,222/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$729,382 · Scale 2, in force from 26 Feb 2026)