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$44,648
−HK$2,800/mo
▼ 0.25% · 3.875%
HK$46,037
−HK$1,411/mo
Today · 4.125%
HK$47,448
baseline
▲ 0.50% · 4.625%
HK$50,335
+HK$2,887/mo
Deposit HK$9.79M · loan HK$9.79M · min. income ≈ HK$94,896/mo (50% DSR)
Upfront cash ≈ HK$10.52M (deposit + AVD stamp duty HK$734,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,670
−HK$2,684/mo
▼ 0.25% · 3.875%
HK$51,002
−HK$1,352/mo
Today · 4.125%
HK$52,354
baseline
▲ 0.50% · 4.625%
HK$55,113
+HK$2,759/mo
Deposit HK$9.79M · loan HK$9.79M · min. income ≈ HK$104,708/mo (50% DSR)
Upfront cash ≈ HK$10.52M (deposit + AVD stamp duty HK$734,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,577
−HK$3,360/mo
▼ 0.25% · 3.875%
HK$55,244
−HK$1,693/mo
Today · 4.125%
HK$56,937
baseline
▲ 0.50% · 4.625%
HK$60,402
+HK$3,465/mo
Deposit HK$7.83M · loan HK$11.75M · min. income ≈ HK$113,874/mo (50% DSR)
Upfront cash ≈ HK$8.57M (deposit + AVD stamp duty HK$734,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,604
−HK$3,221/mo
▼ 0.25% · 3.875%
HK$61,203
−HK$1,622/mo
Today · 4.125%
HK$62,825
baseline
▲ 0.50% · 4.625%
HK$66,136
+HK$3,311/mo
Deposit HK$7.83M · loan HK$11.75M · min. income ≈ HK$125,650/mo (50% DSR)
Upfront cash ≈ HK$8.57M (deposit + AVD stamp duty HK$734,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,507
−HK$3,920/mo
▼ 0.25% · 3.875%
HK$64,451
−HK$1,976/mo
Today · 4.125%
HK$66,427
baseline
▲ 0.50% · 4.625%
HK$70,469
+HK$4,042/mo
Deposit HK$5.87M · loan HK$13.71M · min. income ≈ HK$132,854/mo (50% DSR)
Upfront cash ≈ HK$6.61M (deposit + AVD stamp duty HK$734,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,538
−HK$3,757/mo
▼ 0.25% · 3.875%
HK$71,403
−HK$1,892/mo
Today · 4.125%
HK$73,295
baseline
▲ 0.50% · 4.625%
HK$77,159
+HK$3,864/mo
Deposit HK$5.87M · loan HK$13.71M · min. income ≈ HK$146,590/mo (50% DSR)
Upfront cash ≈ HK$6.61M (deposit + AVD stamp duty HK$734,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,366
−HK$5,040/mo
▼ 0.25% · 3.875%
HK$82,866
−HK$2,540/mo
Today · 4.125%
HK$85,406
baseline
▲ 0.50% · 4.625%
HK$90,602
+HK$5,196/mo
Deposit HK$1.96M · loan HK$17.62M · min. income ≈ HK$170,812/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$734,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,406
−HK$4,831/mo
▼ 0.25% · 3.875%
HK$91,804
−HK$2,433/mo
Today · 4.125%
HK$94,237
baseline
▲ 0.50% · 4.625%
HK$99,204
+HK$4,967/mo
Deposit HK$1.96M · loan HK$17.62M · min. income ≈ HK$188,474/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$734,257 · Scale 2, in force from 26 Feb 2026)