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$44,936
−HK$2,817/mo
▼ 0.25% · 3.875%
HK$46,333
−HK$1,420/mo
Today · 4.125%
HK$47,753
baseline
▲ 0.50% · 4.625%
HK$50,659
+HK$2,906/mo
Deposit HK$9.85M · loan HK$9.85M · min. income ≈ HK$95,506/mo (50% DSR)
Upfront cash ≈ HK$10.59M (deposit + AVD stamp duty HK$738,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,990
−HK$2,701/mo
▼ 0.25% · 3.875%
HK$51,331
−HK$1,360/mo
Today · 4.125%
HK$52,691
baseline
▲ 0.50% · 4.625%
HK$55,469
+HK$2,778/mo
Deposit HK$9.85M · loan HK$9.85M · min. income ≈ HK$105,382/mo (50% DSR)
Upfront cash ≈ HK$10.59M (deposit + AVD stamp duty HK$738,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,923
−HK$3,381/mo
▼ 0.25% · 3.875%
HK$55,600
−HK$1,704/mo
Today · 4.125%
HK$57,304
baseline
▲ 0.50% · 4.625%
HK$60,791
+HK$3,487/mo
Deposit HK$7.88M · loan HK$11.82M · min. income ≈ HK$114,608/mo (50% DSR)
Upfront cash ≈ HK$8.62M (deposit + AVD stamp duty HK$738,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,988
−HK$3,241/mo
▼ 0.25% · 3.875%
HK$61,597
−HK$1,632/mo
Today · 4.125%
HK$63,229
baseline
▲ 0.50% · 4.625%
HK$66,562
+HK$3,333/mo
Deposit HK$7.88M · loan HK$11.82M · min. income ≈ HK$126,458/mo (50% DSR)
Upfront cash ≈ HK$8.62M (deposit + AVD stamp duty HK$738,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,910
−HK$3,945/mo
▼ 0.25% · 3.875%
HK$64,867
−HK$1,988/mo
Today · 4.125%
HK$66,855
baseline
▲ 0.50% · 4.625%
HK$70,923
+HK$4,068/mo
Deposit HK$5.91M · loan HK$13.79M · min. income ≈ HK$133,710/mo (50% DSR)
Upfront cash ≈ HK$6.65M (deposit + AVD stamp duty HK$738,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,986
−HK$3,782/mo
▼ 0.25% · 3.875%
HK$71,863
−HK$1,905/mo
Today · 4.125%
HK$73,768
baseline
▲ 0.50% · 4.625%
HK$77,656
+HK$3,888/mo
Deposit HK$5.91M · loan HK$13.79M · min. income ≈ HK$147,536/mo (50% DSR)
Upfront cash ≈ HK$6.65M (deposit + AVD stamp duty HK$738,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,884
−HK$5,072/mo
▼ 0.25% · 3.875%
HK$83,400
−HK$2,556/mo
Today · 4.125%
HK$85,956
baseline
▲ 0.50% · 4.625%
HK$91,186
+HK$5,230/mo
Deposit HK$1.97M · loan HK$17.74M · min. income ≈ HK$171,912/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$738,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,983
−HK$4,861/mo
▼ 0.25% · 3.875%
HK$92,396
−HK$2,448/mo
Today · 4.125%
HK$94,844
baseline
▲ 0.50% · 4.625%
HK$99,843
+HK$4,999/mo
Deposit HK$1.97M · loan HK$17.74M · min. income ≈ HK$189,688/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$738,989 · Scale 2, in force from 26 Feb 2026)