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$44,804
−HK$2,810/mo
▼ 0.25% · 3.875%
HK$46,198
−HK$1,416/mo
Today · 4.125%
HK$47,614
baseline
▲ 0.50% · 4.625%
HK$50,511
+HK$2,897/mo
Deposit HK$9.82M · loan HK$9.82M · min. income ≈ HK$95,228/mo (50% DSR)
Upfront cash ≈ HK$10.56M (deposit + AVD stamp duty HK$736,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,844
−HK$2,693/mo
▼ 0.25% · 3.875%
HK$51,181
−HK$1,356/mo
Today · 4.125%
HK$52,537
baseline
▲ 0.50% · 4.625%
HK$55,306
+HK$2,769/mo
Deposit HK$9.82M · loan HK$9.82M · min. income ≈ HK$105,074/mo (50% DSR)
Upfront cash ≈ HK$10.56M (deposit + AVD stamp duty HK$736,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,765
−HK$3,372/mo
▼ 0.25% · 3.875%
HK$55,437
−HK$1,700/mo
Today · 4.125%
HK$57,137
baseline
▲ 0.50% · 4.625%
HK$60,613
+HK$3,476/mo
Deposit HK$7.86M · loan HK$11.79M · min. income ≈ HK$114,274/mo (50% DSR)
Upfront cash ≈ HK$8.60M (deposit + AVD stamp duty HK$736,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,813
−HK$3,232/mo
▼ 0.25% · 3.875%
HK$61,417
−HK$1,628/mo
Today · 4.125%
HK$63,045
baseline
▲ 0.50% · 4.625%
HK$66,368
+HK$3,323/mo
Deposit HK$7.86M · loan HK$11.79M · min. income ≈ HK$126,090/mo (50% DSR)
Upfront cash ≈ HK$8.60M (deposit + AVD stamp duty HK$736,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,726
−HK$3,933/mo
▼ 0.25% · 3.875%
HK$64,677
−HK$1,982/mo
Today · 4.125%
HK$66,659
baseline
▲ 0.50% · 4.625%
HK$70,715
+HK$4,056/mo
Deposit HK$5.89M · loan HK$13.75M · min. income ≈ HK$133,318/mo (50% DSR)
Upfront cash ≈ HK$6.63M (deposit + AVD stamp duty HK$736,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,782
−HK$3,770/mo
▼ 0.25% · 3.875%
HK$71,653
−HK$1,899/mo
Today · 4.125%
HK$73,552
baseline
▲ 0.50% · 4.625%
HK$77,429
+HK$3,877/mo
Deposit HK$5.89M · loan HK$13.75M · min. income ≈ HK$147,104/mo (50% DSR)
Upfront cash ≈ HK$6.63M (deposit + AVD stamp duty HK$736,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,648
−HK$5,057/mo
▼ 0.25% · 3.875%
HK$83,156
−HK$2,549/mo
Today · 4.125%
HK$85,705
baseline
▲ 0.50% · 4.625%
HK$90,920
+HK$5,215/mo
Deposit HK$1.96M · loan HK$17.68M · min. income ≈ HK$171,410/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$736,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,720
−HK$4,847/mo
▼ 0.25% · 3.875%
HK$92,126
−HK$2,441/mo
Today · 4.125%
HK$94,567
baseline
▲ 0.50% · 4.625%
HK$99,552
+HK$4,985/mo
Deposit HK$1.96M · loan HK$17.68M · min. income ≈ HK$189,134/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$736,828 · Scale 2, in force from 26 Feb 2026)