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$44,929
−HK$2,818/mo
▼ 0.25% · 3.875%
HK$46,327
−HK$1,420/mo
Today · 4.125%
HK$47,747
baseline
▲ 0.50% · 4.625%
HK$50,652
+HK$2,905/mo
Deposit HK$9.85M · loan HK$9.85M · min. income ≈ HK$95,494/mo (50% DSR)
Upfront cash ≈ HK$10.59M (deposit + AVD stamp duty HK$738,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,983
−HK$2,701/mo
▼ 0.25% · 3.875%
HK$51,324
−HK$1,360/mo
Today · 4.125%
HK$52,684
baseline
▲ 0.50% · 4.625%
HK$55,461
+HK$2,777/mo
Deposit HK$9.85M · loan HK$9.85M · min. income ≈ HK$105,368/mo (50% DSR)
Upfront cash ≈ HK$10.59M (deposit + AVD stamp duty HK$738,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,915
−HK$3,381/mo
▼ 0.25% · 3.875%
HK$55,592
−HK$1,704/mo
Today · 4.125%
HK$57,296
baseline
▲ 0.50% · 4.625%
HK$60,782
+HK$3,486/mo
Deposit HK$7.88M · loan HK$11.82M · min. income ≈ HK$114,592/mo (50% DSR)
Upfront cash ≈ HK$8.62M (deposit + AVD stamp duty HK$738,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,980
−HK$3,240/mo
▼ 0.25% · 3.875%
HK$61,589
−HK$1,631/mo
Today · 4.125%
HK$63,220
baseline
▲ 0.50% · 4.625%
HK$66,553
+HK$3,333/mo
Deposit HK$7.88M · loan HK$11.82M · min. income ≈ HK$126,440/mo (50% DSR)
Upfront cash ≈ HK$8.62M (deposit + AVD stamp duty HK$738,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,901
−HK$3,944/mo
▼ 0.25% · 3.875%
HK$64,857
−HK$1,988/mo
Today · 4.125%
HK$66,845
baseline
▲ 0.50% · 4.625%
HK$70,913
+HK$4,068/mo
Deposit HK$5.91M · loan HK$13.79M · min. income ≈ HK$133,690/mo (50% DSR)
Upfront cash ≈ HK$6.65M (deposit + AVD stamp duty HK$738,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,977
−HK$3,780/mo
▼ 0.25% · 3.875%
HK$71,853
−HK$1,904/mo
Today · 4.125%
HK$73,757
baseline
▲ 0.50% · 4.625%
HK$77,645
+HK$3,888/mo
Deposit HK$5.91M · loan HK$13.79M · min. income ≈ HK$147,514/mo (50% DSR)
Upfront cash ≈ HK$6.65M (deposit + AVD stamp duty HK$738,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,872
−HK$5,072/mo
▼ 0.25% · 3.875%
HK$83,388
−HK$2,556/mo
Today · 4.125%
HK$85,944
baseline
▲ 0.50% · 4.625%
HK$91,173
+HK$5,229/mo
Deposit HK$1.97M · loan HK$17.73M · min. income ≈ HK$171,888/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$738,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,970
−HK$4,861/mo
▼ 0.25% · 3.875%
HK$92,383
−HK$2,448/mo
Today · 4.125%
HK$94,831
baseline
▲ 0.50% · 4.625%
HK$99,829
+HK$4,998/mo
Deposit HK$1.97M · loan HK$17.73M · min. income ≈ HK$189,662/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$738,884 · Scale 2, in force from 26 Feb 2026)