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$44,919
−HK$2,817/mo
▼ 0.25% · 3.875%
HK$46,316
−HK$1,420/mo
Today · 4.125%
HK$47,736
baseline
▲ 0.50% · 4.625%
HK$50,640
+HK$2,904/mo
Deposit HK$9.85M · loan HK$9.85M · min. income ≈ HK$95,472/mo (50% DSR)
Upfront cash ≈ HK$10.59M (deposit + AVD stamp duty HK$738,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,972
−HK$2,700/mo
▼ 0.25% · 3.875%
HK$51,312
−HK$1,360/mo
Today · 4.125%
HK$52,672
baseline
▲ 0.50% · 4.625%
HK$55,448
+HK$2,776/mo
Deposit HK$9.85M · loan HK$9.85M · min. income ≈ HK$105,344/mo (50% DSR)
Upfront cash ≈ HK$10.59M (deposit + AVD stamp duty HK$738,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,903
−HK$3,380/mo
▼ 0.25% · 3.875%
HK$55,579
−HK$1,704/mo
Today · 4.125%
HK$57,283
baseline
▲ 0.50% · 4.625%
HK$60,768
+HK$3,485/mo
Deposit HK$7.88M · loan HK$11.82M · min. income ≈ HK$114,566/mo (50% DSR)
Upfront cash ≈ HK$8.62M (deposit + AVD stamp duty HK$738,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,966
−HK$3,240/mo
▼ 0.25% · 3.875%
HK$61,574
−HK$1,632/mo
Today · 4.125%
HK$63,206
baseline
▲ 0.50% · 4.625%
HK$66,538
+HK$3,332/mo
Deposit HK$7.88M · loan HK$11.82M · min. income ≈ HK$126,412/mo (50% DSR)
Upfront cash ≈ HK$8.62M (deposit + AVD stamp duty HK$738,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,886
−HK$3,944/mo
▼ 0.25% · 3.875%
HK$64,843
−HK$1,987/mo
Today · 4.125%
HK$66,830
baseline
▲ 0.50% · 4.625%
HK$70,896
+HK$4,066/mo
Deposit HK$5.91M · loan HK$13.79M · min. income ≈ HK$133,660/mo (50% DSR)
Upfront cash ≈ HK$6.65M (deposit + AVD stamp duty HK$738,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,960
−HK$3,780/mo
▼ 0.25% · 3.875%
HK$71,837
−HK$1,903/mo
Today · 4.125%
HK$73,740
baseline
▲ 0.50% · 4.625%
HK$77,627
+HK$3,887/mo
Deposit HK$5.91M · loan HK$13.79M · min. income ≈ HK$147,480/mo (50% DSR)
Upfront cash ≈ HK$6.65M (deposit + AVD stamp duty HK$738,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,854
−HK$5,070/mo
▼ 0.25% · 3.875%
HK$83,369
−HK$2,555/mo
Today · 4.125%
HK$85,924
baseline
▲ 0.50% · 4.625%
HK$91,152
+HK$5,228/mo
Deposit HK$1.97M · loan HK$17.73M · min. income ≈ HK$171,848/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$738,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,949
−HK$4,860/mo
▼ 0.25% · 3.875%
HK$92,362
−HK$2,447/mo
Today · 4.125%
HK$94,809
baseline
▲ 0.50% · 4.625%
HK$99,806
+HK$4,997/mo
Deposit HK$1.97M · loan HK$17.73M · min. income ≈ HK$189,618/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$738,714 · Scale 2, in force from 26 Feb 2026)