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$44,802
−HK$2,810/mo
▼ 0.25% · 3.875%
HK$46,196
−HK$1,416/mo
Today · 4.125%
HK$47,612
baseline
▲ 0.50% · 4.625%
HK$50,509
+HK$2,897/mo
Deposit HK$9.82M · loan HK$9.82M · min. income ≈ HK$95,224/mo (50% DSR)
Upfront cash ≈ HK$10.56M (deposit + AVD stamp duty HK$736,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,842
−HK$2,693/mo
▼ 0.25% · 3.875%
HK$51,179
−HK$1,356/mo
Today · 4.125%
HK$52,535
baseline
▲ 0.50% · 4.625%
HK$55,304
+HK$2,769/mo
Deposit HK$9.82M · loan HK$9.82M · min. income ≈ HK$105,070/mo (50% DSR)
Upfront cash ≈ HK$10.56M (deposit + AVD stamp duty HK$736,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,763
−HK$3,371/mo
▼ 0.25% · 3.875%
HK$55,435
−HK$1,699/mo
Today · 4.125%
HK$57,134
baseline
▲ 0.50% · 4.625%
HK$60,611
+HK$3,477/mo
Deposit HK$7.86M · loan HK$11.79M · min. income ≈ HK$114,268/mo (50% DSR)
Upfront cash ≈ HK$8.60M (deposit + AVD stamp duty HK$736,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,810
−HK$3,232/mo
▼ 0.25% · 3.875%
HK$61,415
−HK$1,627/mo
Today · 4.125%
HK$63,042
baseline
▲ 0.50% · 4.625%
HK$66,365
+HK$3,323/mo
Deposit HK$7.86M · loan HK$11.79M · min. income ≈ HK$126,084/mo (50% DSR)
Upfront cash ≈ HK$8.60M (deposit + AVD stamp duty HK$736,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,723
−HK$3,933/mo
▼ 0.25% · 3.875%
HK$64,674
−HK$1,982/mo
Today · 4.125%
HK$66,656
baseline
▲ 0.50% · 4.625%
HK$70,712
+HK$4,056/mo
Deposit HK$5.89M · loan HK$13.75M · min. income ≈ HK$133,312/mo (50% DSR)
Upfront cash ≈ HK$6.63M (deposit + AVD stamp duty HK$736,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,779
−HK$3,770/mo
▼ 0.25% · 3.875%
HK$71,650
−HK$1,899/mo
Today · 4.125%
HK$73,549
baseline
▲ 0.50% · 4.625%
HK$77,426
+HK$3,877/mo
Deposit HK$5.89M · loan HK$13.75M · min. income ≈ HK$147,098/mo (50% DSR)
Upfront cash ≈ HK$6.63M (deposit + AVD stamp duty HK$736,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,644
−HK$5,057/mo
▼ 0.25% · 3.875%
HK$83,153
−HK$2,548/mo
Today · 4.125%
HK$85,701
baseline
▲ 0.50% · 4.625%
HK$90,916
+HK$5,215/mo
Deposit HK$1.96M · loan HK$17.68M · min. income ≈ HK$171,402/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$736,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,716
−HK$4,847/mo
▼ 0.25% · 3.875%
HK$92,122
−HK$2,441/mo
Today · 4.125%
HK$94,563
baseline
▲ 0.50% · 4.625%
HK$99,547
+HK$4,984/mo
Deposit HK$1.96M · loan HK$17.68M · min. income ≈ HK$189,126/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$736,797 · Scale 2, in force from 26 Feb 2026)