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$44,745
−HK$2,806/mo
▼ 0.25% · 3.875%
HK$46,137
−HK$1,414/mo
Today · 4.125%
HK$47,551
baseline
▲ 0.50% · 4.625%
HK$50,445
+HK$2,894/mo
Deposit HK$9.81M · loan HK$9.81M · min. income ≈ HK$95,102/mo (50% DSR)
Upfront cash ≈ HK$10.55M (deposit + AVD stamp duty HK$735,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,779
−HK$2,689/mo
▼ 0.25% · 3.875%
HK$51,114
−HK$1,354/mo
Today · 4.125%
HK$52,468
baseline
▲ 0.50% · 4.625%
HK$55,234
+HK$2,766/mo
Deposit HK$9.81M · loan HK$9.81M · min. income ≈ HK$104,936/mo (50% DSR)
Upfront cash ≈ HK$10.55M (deposit + AVD stamp duty HK$735,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,694
−HK$3,367/mo
▼ 0.25% · 3.875%
HK$55,364
−HK$1,697/mo
Today · 4.125%
HK$57,061
baseline
▲ 0.50% · 4.625%
HK$60,533
+HK$3,472/mo
Deposit HK$7.85M · loan HK$11.77M · min. income ≈ HK$114,122/mo (50% DSR)
Upfront cash ≈ HK$8.59M (deposit + AVD stamp duty HK$735,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,734
−HK$3,228/mo
▼ 0.25% · 3.875%
HK$61,336
−HK$1,626/mo
Today · 4.125%
HK$62,962
baseline
▲ 0.50% · 4.625%
HK$66,280
+HK$3,318/mo
Deposit HK$7.85M · loan HK$11.77M · min. income ≈ HK$125,924/mo (50% DSR)
Upfront cash ≈ HK$8.59M (deposit + AVD stamp duty HK$735,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,643
−HK$3,929/mo
▼ 0.25% · 3.875%
HK$64,592
−HK$1,980/mo
Today · 4.125%
HK$66,572
baseline
▲ 0.50% · 4.625%
HK$70,622
+HK$4,050/mo
Deposit HK$5.89M · loan HK$13.74M · min. income ≈ HK$133,144/mo (50% DSR)
Upfront cash ≈ HK$6.62M (deposit + AVD stamp duty HK$735,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,690
−HK$3,765/mo
▼ 0.25% · 3.875%
HK$71,559
−HK$1,896/mo
Today · 4.125%
HK$73,455
baseline
▲ 0.50% · 4.625%
HK$77,327
+HK$3,872/mo
Deposit HK$5.89M · loan HK$13.74M · min. income ≈ HK$146,910/mo (50% DSR)
Upfront cash ≈ HK$6.62M (deposit + AVD stamp duty HK$735,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,541
−HK$5,051/mo
▼ 0.25% · 3.875%
HK$83,047
−HK$2,545/mo
Today · 4.125%
HK$85,592
baseline
▲ 0.50% · 4.625%
HK$90,800
+HK$5,208/mo
Deposit HK$1.96M · loan HK$17.66M · min. income ≈ HK$171,184/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$735,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,602
−HK$4,840/mo
▼ 0.25% · 3.875%
HK$92,005
−HK$2,437/mo
Today · 4.125%
HK$94,442
baseline
▲ 0.50% · 4.625%
HK$99,421
+HK$4,979/mo
Deposit HK$1.96M · loan HK$17.66M · min. income ≈ HK$188,884/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$735,859 · Scale 2, in force from 26 Feb 2026)