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$44,700
−HK$2,803/mo
▼ 0.25% · 3.875%
HK$46,090
−HK$1,413/mo
Today · 4.125%
HK$47,503
baseline
▲ 0.50% · 4.625%
HK$50,393
+HK$2,890/mo
Deposit HK$9.80M · loan HK$9.80M · min. income ≈ HK$95,006/mo (50% DSR)
Upfront cash ≈ HK$10.54M (deposit + AVD stamp duty HK$735,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,728
−HK$2,686/mo
▼ 0.25% · 3.875%
HK$51,061
−HK$1,353/mo
Today · 4.125%
HK$52,414
baseline
▲ 0.50% · 4.625%
HK$55,177
+HK$2,763/mo
Deposit HK$9.80M · loan HK$9.80M · min. income ≈ HK$104,828/mo (50% DSR)
Upfront cash ≈ HK$10.54M (deposit + AVD stamp duty HK$735,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,639
−HK$3,364/mo
▼ 0.25% · 3.875%
HK$55,308
−HK$1,695/mo
Today · 4.125%
HK$57,003
baseline
▲ 0.50% · 4.625%
HK$60,472
+HK$3,469/mo
Deposit HK$7.84M · loan HK$11.76M · min. income ≈ HK$114,006/mo (50% DSR)
Upfront cash ≈ HK$8.58M (deposit + AVD stamp duty HK$735,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,673
−HK$3,224/mo
▼ 0.25% · 3.875%
HK$61,274
−HK$1,623/mo
Today · 4.125%
HK$62,897
baseline
▲ 0.50% · 4.625%
HK$66,213
+HK$3,316/mo
Deposit HK$7.84M · loan HK$11.76M · min. income ≈ HK$125,794/mo (50% DSR)
Upfront cash ≈ HK$8.58M (deposit + AVD stamp duty HK$735,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,579
−HK$3,925/mo
▼ 0.25% · 3.875%
HK$64,526
−HK$1,978/mo
Today · 4.125%
HK$66,504
baseline
▲ 0.50% · 4.625%
HK$70,550
+HK$4,046/mo
Deposit HK$5.88M · loan HK$13.72M · min. income ≈ HK$133,008/mo (50% DSR)
Upfront cash ≈ HK$6.62M (deposit + AVD stamp duty HK$735,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,619
−HK$3,761/mo
▼ 0.25% · 3.875%
HK$71,486
−HK$1,894/mo
Today · 4.125%
HK$73,380
baseline
▲ 0.50% · 4.625%
HK$77,248
+HK$3,868/mo
Deposit HK$5.88M · loan HK$13.72M · min. income ≈ HK$146,760/mo (50% DSR)
Upfront cash ≈ HK$6.62M (deposit + AVD stamp duty HK$735,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,459
−HK$5,046/mo
▼ 0.25% · 3.875%
HK$82,962
−HK$2,543/mo
Today · 4.125%
HK$85,505
baseline
▲ 0.50% · 4.625%
HK$90,707
+HK$5,202/mo
Deposit HK$1.96M · loan HK$17.64M · min. income ≈ HK$171,010/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$735,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,510
−HK$4,836/mo
▼ 0.25% · 3.875%
HK$91,911
−HK$2,435/mo
Today · 4.125%
HK$94,346
baseline
▲ 0.50% · 4.625%
HK$99,319
+HK$4,973/mo
Deposit HK$1.96M · loan HK$17.64M · min. income ≈ HK$188,692/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$735,107 · Scale 2, in force from 26 Feb 2026)