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$44,654
−HK$2,800/mo
▼ 0.25% · 3.875%
HK$46,043
−HK$1,411/mo
Today · 4.125%
HK$47,454
baseline
▲ 0.50% · 4.625%
HK$50,341
+HK$2,887/mo
Deposit HK$9.79M · loan HK$9.79M · min. income ≈ HK$94,908/mo (50% DSR)
Upfront cash ≈ HK$10.53M (deposit + AVD stamp duty HK$734,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,677
−HK$2,684/mo
▼ 0.25% · 3.875%
HK$51,009
−HK$1,352/mo
Today · 4.125%
HK$52,361
baseline
▲ 0.50% · 4.625%
HK$55,121
+HK$2,760/mo
Deposit HK$9.79M · loan HK$9.79M · min. income ≈ HK$104,722/mo (50% DSR)
Upfront cash ≈ HK$10.53M (deposit + AVD stamp duty HK$734,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,584
−HK$3,361/mo
▼ 0.25% · 3.875%
HK$55,251
−HK$1,694/mo
Today · 4.125%
HK$56,945
baseline
▲ 0.50% · 4.625%
HK$60,410
+HK$3,465/mo
Deposit HK$7.83M · loan HK$11.75M · min. income ≈ HK$113,890/mo (50% DSR)
Upfront cash ≈ HK$8.57M (deposit + AVD stamp duty HK$734,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,612
−HK$3,221/mo
▼ 0.25% · 3.875%
HK$61,211
−HK$1,622/mo
Today · 4.125%
HK$62,833
baseline
▲ 0.50% · 4.625%
HK$66,145
+HK$3,312/mo
Deposit HK$7.83M · loan HK$11.75M · min. income ≈ HK$125,666/mo (50% DSR)
Upfront cash ≈ HK$8.57M (deposit + AVD stamp duty HK$734,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,515
−HK$3,920/mo
▼ 0.25% · 3.875%
HK$64,460
−HK$1,975/mo
Today · 4.125%
HK$66,435
baseline
▲ 0.50% · 4.625%
HK$70,478
+HK$4,043/mo
Deposit HK$5.87M · loan HK$13.71M · min. income ≈ HK$132,870/mo (50% DSR)
Upfront cash ≈ HK$6.61M (deposit + AVD stamp duty HK$734,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,547
−HK$3,758/mo
▼ 0.25% · 3.875%
HK$71,413
−HK$1,892/mo
Today · 4.125%
HK$73,305
baseline
▲ 0.50% · 4.625%
HK$77,169
+HK$3,864/mo
Deposit HK$5.87M · loan HK$13.71M · min. income ≈ HK$146,610/mo (50% DSR)
Upfront cash ≈ HK$6.61M (deposit + AVD stamp duty HK$734,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,377
−HK$5,040/mo
▼ 0.25% · 3.875%
HK$82,877
−HK$2,540/mo
Today · 4.125%
HK$85,417
baseline
▲ 0.50% · 4.625%
HK$90,614
+HK$5,197/mo
Deposit HK$1.96M · loan HK$17.62M · min. income ≈ HK$170,834/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$734,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,418
−HK$4,831/mo
▼ 0.25% · 3.875%
HK$91,816
−HK$2,433/mo
Today · 4.125%
HK$94,249
baseline
▲ 0.50% · 4.625%
HK$99,217
+HK$4,968/mo
Deposit HK$1.96M · loan HK$17.62M · min. income ≈ HK$188,498/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$734,353 · Scale 2, in force from 26 Feb 2026)