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$44,613
−HK$2,798/mo
▼ 0.25% · 3.875%
HK$46,001
−HK$1,410/mo
Today · 4.125%
HK$47,411
baseline
▲ 0.50% · 4.625%
HK$50,295
+HK$2,884/mo
Deposit HK$9.78M · loan HK$9.78M · min. income ≈ HK$94,822/mo (50% DSR)
Upfront cash ≈ HK$10.52M (deposit + AVD stamp duty HK$733,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,632
−HK$2,681/mo
▼ 0.25% · 3.875%
HK$50,963
−HK$1,350/mo
Today · 4.125%
HK$52,313
baseline
▲ 0.50% · 4.625%
HK$55,070
+HK$2,757/mo
Deposit HK$9.78M · loan HK$9.78M · min. income ≈ HK$104,626/mo (50% DSR)
Upfront cash ≈ HK$10.52M (deposit + AVD stamp duty HK$733,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,536
−HK$3,357/mo
▼ 0.25% · 3.875%
HK$55,201
−HK$1,692/mo
Today · 4.125%
HK$56,893
baseline
▲ 0.50% · 4.625%
HK$60,355
+HK$3,462/mo
Deposit HK$7.83M · loan HK$11.74M · min. income ≈ HK$113,786/mo (50% DSR)
Upfront cash ≈ HK$8.56M (deposit + AVD stamp duty HK$733,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,558
−HK$3,218/mo
▼ 0.25% · 3.875%
HK$61,155
−HK$1,621/mo
Today · 4.125%
HK$62,776
baseline
▲ 0.50% · 4.625%
HK$66,085
+HK$3,309/mo
Deposit HK$7.83M · loan HK$11.74M · min. income ≈ HK$125,552/mo (50% DSR)
Upfront cash ≈ HK$8.56M (deposit + AVD stamp duty HK$733,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,458
−HK$3,917/mo
▼ 0.25% · 3.875%
HK$64,401
−HK$1,974/mo
Today · 4.125%
HK$66,375
baseline
▲ 0.50% · 4.625%
HK$70,414
+HK$4,039/mo
Deposit HK$5.87M · loan HK$13.70M · min. income ≈ HK$132,750/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$733,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,484
−HK$3,754/mo
▼ 0.25% · 3.875%
HK$71,348
−HK$1,890/mo
Today · 4.125%
HK$73,238
baseline
▲ 0.50% · 4.625%
HK$77,099
+HK$3,861/mo
Deposit HK$5.87M · loan HK$13.70M · min. income ≈ HK$146,476/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$733,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,303
−HK$5,036/mo
▼ 0.25% · 3.875%
HK$82,801
−HK$2,538/mo
Today · 4.125%
HK$85,339
baseline
▲ 0.50% · 4.625%
HK$90,532
+HK$5,193/mo
Deposit HK$1.96M · loan HK$17.61M · min. income ≈ HK$170,678/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$733,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,337
−HK$4,826/mo
▼ 0.25% · 3.875%
HK$91,733
−HK$2,430/mo
Today · 4.125%
HK$94,163
baseline
▲ 0.50% · 4.625%
HK$99,127
+HK$4,964/mo
Deposit HK$1.96M · loan HK$17.61M · min. income ≈ HK$188,326/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$733,685 · Scale 2, in force from 26 Feb 2026)