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$44,396
−HK$2,784/mo
▼ 0.25% · 3.875%
HK$45,777
−HK$1,403/mo
Today · 4.125%
HK$47,180
baseline
▲ 0.50% · 4.625%
HK$50,051
+HK$2,871/mo
Deposit HK$9.73M · loan HK$9.73M · min. income ≈ HK$94,360/mo (50% DSR)
Upfront cash ≈ HK$10.47M (deposit + AVD stamp duty HK$730,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,390
−HK$2,669/mo
▼ 0.25% · 3.875%
HK$50,715
−HK$1,344/mo
Today · 4.125%
HK$52,059
baseline
▲ 0.50% · 4.625%
HK$54,803
+HK$2,744/mo
Deposit HK$9.73M · loan HK$9.73M · min. income ≈ HK$104,118/mo (50% DSR)
Upfront cash ≈ HK$10.47M (deposit + AVD stamp duty HK$730,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,275
−HK$3,341/mo
▼ 0.25% · 3.875%
HK$54,933
−HK$1,683/mo
Today · 4.125%
HK$56,616
baseline
▲ 0.50% · 4.625%
HK$60,061
+HK$3,445/mo
Deposit HK$7.79M · loan HK$11.68M · min. income ≈ HK$113,232/mo (50% DSR)
Upfront cash ≈ HK$8.52M (deposit + AVD stamp duty HK$730,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,268
−HK$3,202/mo
▼ 0.25% · 3.875%
HK$60,858
−HK$1,612/mo
Today · 4.125%
HK$62,470
baseline
▲ 0.50% · 4.625%
HK$65,763
+HK$3,293/mo
Deposit HK$7.79M · loan HK$11.68M · min. income ≈ HK$124,940/mo (50% DSR)
Upfront cash ≈ HK$8.52M (deposit + AVD stamp duty HK$730,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,155
−HK$3,897/mo
▼ 0.25% · 3.875%
HK$64,088
−HK$1,964/mo
Today · 4.125%
HK$66,052
baseline
▲ 0.50% · 4.625%
HK$70,071
+HK$4,019/mo
Deposit HK$5.84M · loan HK$13.63M · min. income ≈ HK$132,104/mo (50% DSR)
Upfront cash ≈ HK$6.57M (deposit + AVD stamp duty HK$730,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,146
−HK$3,736/mo
▼ 0.25% · 3.875%
HK$71,001
−HK$1,881/mo
Today · 4.125%
HK$72,882
baseline
▲ 0.50% · 4.625%
HK$76,724
+HK$3,842/mo
Deposit HK$5.84M · loan HK$13.63M · min. income ≈ HK$145,764/mo (50% DSR)
Upfront cash ≈ HK$6.57M (deposit + AVD stamp duty HK$730,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,913
−HK$5,011/mo
▼ 0.25% · 3.875%
HK$82,399
−HK$2,525/mo
Today · 4.125%
HK$84,924
baseline
▲ 0.50% · 4.625%
HK$90,092
+HK$5,168/mo
Deposit HK$1.95M · loan HK$17.52M · min. income ≈ HK$169,848/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$730,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,903
−HK$4,803/mo
▼ 0.25% · 3.875%
HK$91,287
−HK$2,419/mo
Today · 4.125%
HK$93,706
baseline
▲ 0.50% · 4.625%
HK$98,645
+HK$4,939/mo
Deposit HK$1.95M · loan HK$17.52M · min. income ≈ HK$187,412/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$730,119 · Scale 2, in force from 26 Feb 2026)