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$44,853
−HK$2,813/mo
▼ 0.25% · 3.875%
HK$46,248
−HK$1,418/mo
Today · 4.125%
HK$47,666
baseline
▲ 0.50% · 4.625%
HK$50,566
+HK$2,900/mo
Deposit HK$9.84M · loan HK$9.84M · min. income ≈ HK$95,332/mo (50% DSR)
Upfront cash ≈ HK$10.57M (deposit + AVD stamp duty HK$737,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,898
−HK$2,696/mo
▼ 0.25% · 3.875%
HK$51,237
−HK$1,357/mo
Today · 4.125%
HK$52,594
baseline
▲ 0.50% · 4.625%
HK$55,367
+HK$2,773/mo
Deposit HK$9.84M · loan HK$9.84M · min. income ≈ HK$105,188/mo (50% DSR)
Upfront cash ≈ HK$10.57M (deposit + AVD stamp duty HK$737,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,823
−HK$3,376/mo
▼ 0.25% · 3.875%
HK$55,498
−HK$1,701/mo
Today · 4.125%
HK$57,199
baseline
▲ 0.50% · 4.625%
HK$60,679
+HK$3,480/mo
Deposit HK$7.87M · loan HK$11.80M · min. income ≈ HK$114,398/mo (50% DSR)
Upfront cash ≈ HK$8.61M (deposit + AVD stamp duty HK$737,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,878
−HK$3,235/mo
▼ 0.25% · 3.875%
HK$61,484
−HK$1,629/mo
Today · 4.125%
HK$63,113
baseline
▲ 0.50% · 4.625%
HK$66,440
+HK$3,327/mo
Deposit HK$7.87M · loan HK$11.80M · min. income ≈ HK$126,226/mo (50% DSR)
Upfront cash ≈ HK$8.61M (deposit + AVD stamp duty HK$737,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,794
−HK$3,938/mo
▼ 0.25% · 3.875%
HK$64,747
−HK$1,985/mo
Today · 4.125%
HK$66,732
baseline
▲ 0.50% · 4.625%
HK$70,792
+HK$4,060/mo
Deposit HK$5.90M · loan HK$13.77M · min. income ≈ HK$133,464/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$737,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,858
−HK$3,774/mo
▼ 0.25% · 3.875%
HK$71,731
−HK$1,901/mo
Today · 4.125%
HK$73,632
baseline
▲ 0.50% · 4.625%
HK$77,513
+HK$3,881/mo
Deposit HK$5.90M · loan HK$13.77M · min. income ≈ HK$147,264/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$737,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,735
−HK$5,063/mo
▼ 0.25% · 3.875%
HK$83,246
−HK$2,552/mo
Today · 4.125%
HK$85,798
baseline
▲ 0.50% · 4.625%
HK$91,019
+HK$5,221/mo
Deposit HK$1.97M · loan HK$17.70M · min. income ≈ HK$171,596/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$737,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,817
−HK$4,853/mo
▼ 0.25% · 3.875%
HK$92,226
−HK$2,444/mo
Today · 4.125%
HK$94,670
baseline
▲ 0.50% · 4.625%
HK$99,660
+HK$4,990/mo
Deposit HK$1.97M · loan HK$17.70M · min. income ≈ HK$189,340/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$737,629 · Scale 2, in force from 26 Feb 2026)