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$44,415
−HK$2,785/mo
▼ 0.25% · 3.875%
HK$45,797
−HK$1,403/mo
Today · 4.125%
HK$47,200
baseline
▲ 0.50% · 4.625%
HK$50,072
+HK$2,872/mo
Deposit HK$9.74M · loan HK$9.74M · min. income ≈ HK$94,400/mo (50% DSR)
Upfront cash ≈ HK$10.47M (deposit + AVD stamp duty HK$730,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,411
−HK$2,670/mo
▼ 0.25% · 3.875%
HK$50,736
−HK$1,345/mo
Today · 4.125%
HK$52,081
baseline
▲ 0.50% · 4.625%
HK$54,826
+HK$2,745/mo
Deposit HK$9.74M · loan HK$9.74M · min. income ≈ HK$104,162/mo (50% DSR)
Upfront cash ≈ HK$10.47M (deposit + AVD stamp duty HK$730,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,298
−HK$3,342/mo
▼ 0.25% · 3.875%
HK$54,956
−HK$1,684/mo
Today · 4.125%
HK$56,640
baseline
▲ 0.50% · 4.625%
HK$60,087
+HK$3,447/mo
Deposit HK$7.79M · loan HK$11.69M · min. income ≈ HK$113,280/mo (50% DSR)
Upfront cash ≈ HK$8.52M (deposit + AVD stamp duty HK$730,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,293
−HK$3,204/mo
▼ 0.25% · 3.875%
HK$60,884
−HK$1,613/mo
Today · 4.125%
HK$62,497
baseline
▲ 0.50% · 4.625%
HK$65,791
+HK$3,294/mo
Deposit HK$7.79M · loan HK$11.69M · min. income ≈ HK$124,994/mo (50% DSR)
Upfront cash ≈ HK$8.52M (deposit + AVD stamp duty HK$730,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,181
−HK$3,899/mo
▼ 0.25% · 3.875%
HK$64,115
−HK$1,965/mo
Today · 4.125%
HK$66,080
baseline
▲ 0.50% · 4.625%
HK$70,101
+HK$4,021/mo
Deposit HK$5.84M · loan HK$13.63M · min. income ≈ HK$132,160/mo (50% DSR)
Upfront cash ≈ HK$6.57M (deposit + AVD stamp duty HK$730,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,176
−HK$3,737/mo
▼ 0.25% · 3.875%
HK$71,031
−HK$1,882/mo
Today · 4.125%
HK$72,913
baseline
▲ 0.50% · 4.625%
HK$76,756
+HK$3,843/mo
Deposit HK$5.84M · loan HK$13.63M · min. income ≈ HK$145,826/mo (50% DSR)
Upfront cash ≈ HK$6.57M (deposit + AVD stamp duty HK$730,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,947
−HK$5,013/mo
▼ 0.25% · 3.875%
HK$82,434
−HK$2,526/mo
Today · 4.125%
HK$84,960
baseline
▲ 0.50% · 4.625%
HK$90,130
+HK$5,170/mo
Deposit HK$1.95M · loan HK$17.53M · min. income ≈ HK$169,920/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$730,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,940
−HK$4,805/mo
▼ 0.25% · 3.875%
HK$91,325
−HK$2,420/mo
Today · 4.125%
HK$93,745
baseline
▲ 0.50% · 4.625%
HK$98,687
+HK$4,942/mo
Deposit HK$1.95M · loan HK$17.53M · min. income ≈ HK$187,490/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$730,427 · Scale 2, in force from 26 Feb 2026)