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$44,839
−HK$2,812/mo
▼ 0.25% · 3.875%
HK$46,234
−HK$1,417/mo
Today · 4.125%
HK$47,651
baseline
▲ 0.50% · 4.625%
HK$50,551
+HK$2,900/mo
Deposit HK$9.83M · loan HK$9.83M · min. income ≈ HK$95,302/mo (50% DSR)
Upfront cash ≈ HK$10.57M (deposit + AVD stamp duty HK$737,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,883
−HK$2,696/mo
▼ 0.25% · 3.875%
HK$51,221
−HK$1,358/mo
Today · 4.125%
HK$52,579
baseline
▲ 0.50% · 4.625%
HK$55,350
+HK$2,771/mo
Deposit HK$9.83M · loan HK$9.83M · min. income ≈ HK$105,158/mo (50% DSR)
Upfront cash ≈ HK$10.57M (deposit + AVD stamp duty HK$737,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,807
−HK$3,375/mo
▼ 0.25% · 3.875%
HK$55,481
−HK$1,701/mo
Today · 4.125%
HK$57,182
baseline
▲ 0.50% · 4.625%
HK$60,661
+HK$3,479/mo
Deposit HK$7.87M · loan HK$11.80M · min. income ≈ HK$114,364/mo (50% DSR)
Upfront cash ≈ HK$8.60M (deposit + AVD stamp duty HK$737,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,860
−HK$3,234/mo
▼ 0.25% · 3.875%
HK$61,466
−HK$1,628/mo
Today · 4.125%
HK$63,094
baseline
▲ 0.50% · 4.625%
HK$66,420
+HK$3,326/mo
Deposit HK$7.87M · loan HK$11.80M · min. income ≈ HK$126,188/mo (50% DSR)
Upfront cash ≈ HK$8.60M (deposit + AVD stamp duty HK$737,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,775
−HK$3,937/mo
▼ 0.25% · 3.875%
HK$64,728
−HK$1,984/mo
Today · 4.125%
HK$66,712
baseline
▲ 0.50% · 4.625%
HK$70,771
+HK$4,059/mo
Deposit HK$5.90M · loan HK$13.76M · min. income ≈ HK$133,424/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$737,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,837
−HK$3,773/mo
▼ 0.25% · 3.875%
HK$71,710
−HK$1,900/mo
Today · 4.125%
HK$73,610
baseline
▲ 0.50% · 4.625%
HK$77,490
+HK$3,880/mo
Deposit HK$5.90M · loan HK$13.76M · min. income ≈ HK$147,220/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$737,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,711
−HK$5,061/mo
▼ 0.25% · 3.875%
HK$83,222
−HK$2,550/mo
Today · 4.125%
HK$85,772
baseline
▲ 0.50% · 4.625%
HK$90,991
+HK$5,219/mo
Deposit HK$1.97M · loan HK$17.70M · min. income ≈ HK$171,544/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$737,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,790
−HK$4,851/mo
▼ 0.25% · 3.875%
HK$92,198
−HK$2,443/mo
Today · 4.125%
HK$94,641
baseline
▲ 0.50% · 4.625%
HK$99,630
+HK$4,989/mo
Deposit HK$1.97M · loan HK$17.70M · min. income ≈ HK$189,282/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$737,409 · Scale 2, in force from 26 Feb 2026)