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$44,402
−HK$2,784/mo
▼ 0.25% · 3.875%
HK$45,783
−HK$1,403/mo
Today · 4.125%
HK$47,186
baseline
▲ 0.50% · 4.625%
HK$50,057
+HK$2,871/mo
Deposit HK$9.74M · loan HK$9.74M · min. income ≈ HK$94,372/mo (50% DSR)
Upfront cash ≈ HK$10.47M (deposit + AVD stamp duty HK$730,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,396
−HK$2,669/mo
▼ 0.25% · 3.875%
HK$50,721
−HK$1,344/mo
Today · 4.125%
HK$52,065
baseline
▲ 0.50% · 4.625%
HK$54,809
+HK$2,744/mo
Deposit HK$9.74M · loan HK$9.74M · min. income ≈ HK$104,130/mo (50% DSR)
Upfront cash ≈ HK$10.47M (deposit + AVD stamp duty HK$730,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,282
−HK$3,341/mo
▼ 0.25% · 3.875%
HK$54,939
−HK$1,684/mo
Today · 4.125%
HK$56,623
baseline
▲ 0.50% · 4.625%
HK$60,069
+HK$3,446/mo
Deposit HK$7.79M · loan HK$11.68M · min. income ≈ HK$113,246/mo (50% DSR)
Upfront cash ≈ HK$8.52M (deposit + AVD stamp duty HK$730,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,276
−HK$3,202/mo
▼ 0.25% · 3.875%
HK$60,865
−HK$1,613/mo
Today · 4.125%
HK$62,478
baseline
▲ 0.50% · 4.625%
HK$65,771
+HK$3,293/mo
Deposit HK$7.79M · loan HK$11.68M · min. income ≈ HK$124,956/mo (50% DSR)
Upfront cash ≈ HK$8.52M (deposit + AVD stamp duty HK$730,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,162
−HK$3,898/mo
▼ 0.25% · 3.875%
HK$64,096
−HK$1,964/mo
Today · 4.125%
HK$66,060
baseline
▲ 0.50% · 4.625%
HK$70,080
+HK$4,020/mo
Deposit HK$5.84M · loan HK$13.63M · min. income ≈ HK$132,120/mo (50% DSR)
Upfront cash ≈ HK$6.57M (deposit + AVD stamp duty HK$730,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,155
−HK$3,736/mo
▼ 0.25% · 3.875%
HK$71,010
−HK$1,881/mo
Today · 4.125%
HK$72,891
baseline
▲ 0.50% · 4.625%
HK$76,733
+HK$3,842/mo
Deposit HK$5.84M · loan HK$13.63M · min. income ≈ HK$145,782/mo (50% DSR)
Upfront cash ≈ HK$6.57M (deposit + AVD stamp duty HK$730,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,923
−HK$5,012/mo
▼ 0.25% · 3.875%
HK$82,409
−HK$2,526/mo
Today · 4.125%
HK$84,935
baseline
▲ 0.50% · 4.625%
HK$90,103
+HK$5,168/mo
Deposit HK$1.95M · loan HK$17.52M · min. income ≈ HK$169,870/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$730,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,913
−HK$4,804/mo
▼ 0.25% · 3.875%
HK$91,298
−HK$2,419/mo
Today · 4.125%
HK$93,717
baseline
▲ 0.50% · 4.625%
HK$98,657
+HK$4,940/mo
Deposit HK$1.95M · loan HK$17.52M · min. income ≈ HK$187,434/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$730,207 · Scale 2, in force from 26 Feb 2026)