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$44,885
−HK$2,815/mo
▼ 0.25% · 3.875%
HK$46,282
−HK$1,418/mo
Today · 4.125%
HK$47,700
baseline
▲ 0.50% · 4.625%
HK$50,603
+HK$2,903/mo
Deposit HK$9.84M · loan HK$9.84M · min. income ≈ HK$95,400/mo (50% DSR)
Upfront cash ≈ HK$10.58M (deposit + AVD stamp duty HK$738,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,935
−HK$2,697/mo
▼ 0.25% · 3.875%
HK$51,274
−HK$1,358/mo
Today · 4.125%
HK$52,632
baseline
▲ 0.50% · 4.625%
HK$55,407
+HK$2,775/mo
Deposit HK$9.84M · loan HK$9.84M · min. income ≈ HK$105,264/mo (50% DSR)
Upfront cash ≈ HK$10.58M (deposit + AVD stamp duty HK$738,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,862
−HK$3,378/mo
▼ 0.25% · 3.875%
HK$55,538
−HK$1,702/mo
Today · 4.125%
HK$57,240
baseline
▲ 0.50% · 4.625%
HK$60,723
+HK$3,483/mo
Deposit HK$7.87M · loan HK$11.81M · min. income ≈ HK$114,480/mo (50% DSR)
Upfront cash ≈ HK$8.61M (deposit + AVD stamp duty HK$738,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,921
−HK$3,238/mo
▼ 0.25% · 3.875%
HK$61,529
−HK$1,630/mo
Today · 4.125%
HK$63,159
baseline
▲ 0.50% · 4.625%
HK$66,488
+HK$3,329/mo
Deposit HK$7.87M · loan HK$11.81M · min. income ≈ HK$126,318/mo (50% DSR)
Upfront cash ≈ HK$8.61M (deposit + AVD stamp duty HK$738,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,840
−HK$3,940/mo
▼ 0.25% · 3.875%
HK$64,794
−HK$1,986/mo
Today · 4.125%
HK$66,780
baseline
▲ 0.50% · 4.625%
HK$70,844
+HK$4,064/mo
Deposit HK$5.91M · loan HK$13.78M · min. income ≈ HK$133,560/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$738,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,908
−HK$3,777/mo
▼ 0.25% · 3.875%
HK$71,783
−HK$1,902/mo
Today · 4.125%
HK$73,685
baseline
▲ 0.50% · 4.625%
HK$77,569
+HK$3,884/mo
Deposit HK$5.91M · loan HK$13.78M · min. income ≈ HK$147,370/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$738,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,794
−HK$5,066/mo
▼ 0.25% · 3.875%
HK$83,307
−HK$2,553/mo
Today · 4.125%
HK$85,860
baseline
▲ 0.50% · 4.625%
HK$91,085
+HK$5,225/mo
Deposit HK$1.97M · loan HK$17.72M · min. income ≈ HK$171,720/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$738,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,882
−HK$4,856/mo
▼ 0.25% · 3.875%
HK$92,293
−HK$2,445/mo
Today · 4.125%
HK$94,738
baseline
▲ 0.50% · 4.625%
HK$99,732
+HK$4,994/mo
Deposit HK$1.97M · loan HK$17.72M · min. income ≈ HK$189,476/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$738,164 · Scale 2, in force from 26 Feb 2026)