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$44,945
−HK$2,818/mo
▼ 0.25% · 3.875%
HK$46,343
−HK$1,420/mo
Today · 4.125%
HK$47,763
baseline
▲ 0.50% · 4.625%
HK$50,669
+HK$2,906/mo
Deposit HK$9.86M · loan HK$9.86M · min. income ≈ HK$95,526/mo (50% DSR)
Upfront cash ≈ HK$10.59M (deposit + AVD stamp duty HK$739,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,000
−HK$2,702/mo
▼ 0.25% · 3.875%
HK$51,341
−HK$1,361/mo
Today · 4.125%
HK$52,702
baseline
▲ 0.50% · 4.625%
HK$55,480
+HK$2,778/mo
Deposit HK$9.86M · loan HK$9.86M · min. income ≈ HK$105,404/mo (50% DSR)
Upfront cash ≈ HK$10.59M (deposit + AVD stamp duty HK$739,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,934
−HK$3,382/mo
▼ 0.25% · 3.875%
HK$55,611
−HK$1,705/mo
Today · 4.125%
HK$57,316
baseline
▲ 0.50% · 4.625%
HK$60,803
+HK$3,487/mo
Deposit HK$7.88M · loan HK$11.83M · min. income ≈ HK$114,632/mo (50% DSR)
Upfront cash ≈ HK$8.62M (deposit + AVD stamp duty HK$739,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,000
−HK$3,242/mo
▼ 0.25% · 3.875%
HK$61,610
−HK$1,632/mo
Today · 4.125%
HK$63,242
baseline
▲ 0.50% · 4.625%
HK$66,576
+HK$3,334/mo
Deposit HK$7.88M · loan HK$11.83M · min. income ≈ HK$126,484/mo (50% DSR)
Upfront cash ≈ HK$8.62M (deposit + AVD stamp duty HK$739,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,922
−HK$3,946/mo
▼ 0.25% · 3.875%
HK$64,880
−HK$1,988/mo
Today · 4.125%
HK$66,868
baseline
▲ 0.50% · 4.625%
HK$70,937
+HK$4,069/mo
Deposit HK$5.91M · loan HK$13.80M · min. income ≈ HK$133,736/mo (50% DSR)
Upfront cash ≈ HK$6.65M (deposit + AVD stamp duty HK$739,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,001
−HK$3,781/mo
▼ 0.25% · 3.875%
HK$71,878
−HK$1,904/mo
Today · 4.125%
HK$73,782
baseline
▲ 0.50% · 4.625%
HK$77,672
+HK$3,890/mo
Deposit HK$5.91M · loan HK$13.80M · min. income ≈ HK$147,564/mo (50% DSR)
Upfront cash ≈ HK$6.65M (deposit + AVD stamp duty HK$739,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,900
−HK$5,073/mo
▼ 0.25% · 3.875%
HK$83,417
−HK$2,556/mo
Today · 4.125%
HK$85,973
baseline
▲ 0.50% · 4.625%
HK$91,205
+HK$5,232/mo
Deposit HK$1.97M · loan HK$17.74M · min. income ≈ HK$171,946/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$739,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,001
−HK$4,862/mo
▼ 0.25% · 3.875%
HK$92,414
−HK$2,449/mo
Today · 4.125%
HK$94,863
baseline
▲ 0.50% · 4.625%
HK$99,864
+HK$5,001/mo
Deposit HK$1.97M · loan HK$17.74M · min. income ≈ HK$189,726/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$739,137 · Scale 2, in force from 26 Feb 2026)