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$44,843
−HK$2,812/mo
▼ 0.25% · 3.875%
HK$46,237
−HK$1,418/mo
Today · 4.125%
HK$47,655
baseline
▲ 0.50% · 4.625%
HK$50,554
+HK$2,899/mo
Deposit HK$9.83M · loan HK$9.83M · min. income ≈ HK$95,310/mo (50% DSR)
Upfront cash ≈ HK$10.57M (deposit + AVD stamp duty HK$737,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,887
−HK$2,695/mo
▼ 0.25% · 3.875%
HK$51,225
−HK$1,357/mo
Today · 4.125%
HK$52,582
baseline
▲ 0.50% · 4.625%
HK$55,354
+HK$2,772/mo
Deposit HK$9.83M · loan HK$9.83M · min. income ≈ HK$105,164/mo (50% DSR)
Upfront cash ≈ HK$10.57M (deposit + AVD stamp duty HK$737,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,811
−HK$3,374/mo
▼ 0.25% · 3.875%
HK$55,485
−HK$1,700/mo
Today · 4.125%
HK$57,185
baseline
▲ 0.50% · 4.625%
HK$60,665
+HK$3,480/mo
Deposit HK$7.87M · loan HK$11.80M · min. income ≈ HK$114,370/mo (50% DSR)
Upfront cash ≈ HK$8.60M (deposit + AVD stamp duty HK$737,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,864
−HK$3,235/mo
▼ 0.25% · 3.875%
HK$61,470
−HK$1,629/mo
Today · 4.125%
HK$63,099
baseline
▲ 0.50% · 4.625%
HK$66,425
+HK$3,326/mo
Deposit HK$7.87M · loan HK$11.80M · min. income ≈ HK$126,198/mo (50% DSR)
Upfront cash ≈ HK$8.60M (deposit + AVD stamp duty HK$737,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,780
−HK$3,936/mo
▼ 0.25% · 3.875%
HK$64,732
−HK$1,984/mo
Today · 4.125%
HK$66,716
baseline
▲ 0.50% · 4.625%
HK$70,776
+HK$4,060/mo
Deposit HK$5.90M · loan HK$13.77M · min. income ≈ HK$133,432/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$737,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,842
−HK$3,773/mo
▼ 0.25% · 3.875%
HK$71,715
−HK$1,900/mo
Today · 4.125%
HK$73,615
baseline
▲ 0.50% · 4.625%
HK$77,495
+HK$3,880/mo
Deposit HK$5.90M · loan HK$13.77M · min. income ≈ HK$147,230/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$737,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,717
−HK$5,061/mo
▼ 0.25% · 3.875%
HK$83,227
−HK$2,551/mo
Today · 4.125%
HK$85,778
baseline
▲ 0.50% · 4.625%
HK$90,998
+HK$5,220/mo
Deposit HK$1.97M · loan HK$17.70M · min. income ≈ HK$171,556/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$737,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,796
−HK$4,852/mo
▼ 0.25% · 3.875%
HK$92,205
−HK$2,443/mo
Today · 4.125%
HK$94,648
baseline
▲ 0.50% · 4.625%
HK$99,637
+HK$4,989/mo
Deposit HK$1.97M · loan HK$17.70M · min. income ≈ HK$189,296/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$737,459 · Scale 2, in force from 26 Feb 2026)