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$44,906
−HK$2,816/mo
▼ 0.25% · 3.875%
HK$46,303
−HK$1,419/mo
Today · 4.125%
HK$47,722
baseline
▲ 0.50% · 4.625%
HK$50,626
+HK$2,904/mo
Deposit HK$9.85M · loan HK$9.85M · min. income ≈ HK$95,444/mo (50% DSR)
Upfront cash ≈ HK$10.59M (deposit + AVD stamp duty HK$738,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,957
−HK$2,699/mo
▼ 0.25% · 3.875%
HK$51,297
−HK$1,359/mo
Today · 4.125%
HK$52,656
baseline
▲ 0.50% · 4.625%
HK$55,432
+HK$2,776/mo
Deposit HK$9.85M · loan HK$9.85M · min. income ≈ HK$105,312/mo (50% DSR)
Upfront cash ≈ HK$10.59M (deposit + AVD stamp duty HK$738,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,887
−HK$3,379/mo
▼ 0.25% · 3.875%
HK$55,563
−HK$1,703/mo
Today · 4.125%
HK$57,266
baseline
▲ 0.50% · 4.625%
HK$60,751
+HK$3,485/mo
Deposit HK$7.88M · loan HK$11.82M · min. income ≈ HK$114,532/mo (50% DSR)
Upfront cash ≈ HK$8.62M (deposit + AVD stamp duty HK$738,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,949
−HK$3,238/mo
▼ 0.25% · 3.875%
HK$61,556
−HK$1,631/mo
Today · 4.125%
HK$63,187
baseline
▲ 0.50% · 4.625%
HK$66,518
+HK$3,331/mo
Deposit HK$7.88M · loan HK$11.82M · min. income ≈ HK$126,374/mo (50% DSR)
Upfront cash ≈ HK$8.62M (deposit + AVD stamp duty HK$738,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,868
−HK$3,942/mo
▼ 0.25% · 3.875%
HK$64,824
−HK$1,986/mo
Today · 4.125%
HK$66,810
baseline
▲ 0.50% · 4.625%
HK$70,876
+HK$4,066/mo
Deposit HK$5.91M · loan HK$13.79M · min. income ≈ HK$133,620/mo (50% DSR)
Upfront cash ≈ HK$6.65M (deposit + AVD stamp duty HK$738,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,940
−HK$3,779/mo
▼ 0.25% · 3.875%
HK$71,816
−HK$1,903/mo
Today · 4.125%
HK$73,719
baseline
▲ 0.50% · 4.625%
HK$77,605
+HK$3,886/mo
Deposit HK$5.91M · loan HK$13.79M · min. income ≈ HK$147,438/mo (50% DSR)
Upfront cash ≈ HK$6.65M (deposit + AVD stamp duty HK$738,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,830
−HK$5,069/mo
▼ 0.25% · 3.875%
HK$83,345
−HK$2,554/mo
Today · 4.125%
HK$85,899
baseline
▲ 0.50% · 4.625%
HK$91,126
+HK$5,227/mo
Deposit HK$1.97M · loan HK$17.72M · min. income ≈ HK$171,798/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$738,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,923
−HK$4,858/mo
▼ 0.25% · 3.875%
HK$92,335
−HK$2,446/mo
Today · 4.125%
HK$94,781
baseline
▲ 0.50% · 4.625%
HK$99,777
+HK$4,996/mo
Deposit HK$1.97M · loan HK$17.72M · min. income ≈ HK$189,562/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$738,499 · Scale 2, in force from 26 Feb 2026)