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$44,935
−HK$2,818/mo
▼ 0.25% · 3.875%
HK$46,333
−HK$1,420/mo
Today · 4.125%
HK$47,753
baseline
▲ 0.50% · 4.625%
HK$50,658
+HK$2,905/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$738,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,990
−HK$2,700/mo
▼ 0.25% · 3.875%
HK$51,330
−HK$1,360/mo
Today · 4.125%
HK$52,690
baseline
▲ 0.50% · 4.625%
HK$55,468
+HK$2,778/mo
Deposit HK$9.85M · loan HK$9.85M · min. income ≈ HK$105,380/mo (50% DSR)
Upfront cash ≈ HK$10.59M (deposit + AVD stamp duty HK$738,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,922
−HK$3,381/mo
▼ 0.25% · 3.875%
HK$55,599
−HK$1,704/mo
Today · 4.125%
HK$57,303
baseline
▲ 0.50% · 4.625%
HK$60,790
+HK$3,487/mo
Deposit HK$7.88M · loan HK$11.82M · min. income ≈ HK$114,606/mo (50% DSR)
Upfront cash ≈ HK$8.62M (deposit + AVD stamp duty HK$738,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,988
−HK$3,241/mo
▼ 0.25% · 3.875%
HK$61,596
−HK$1,633/mo
Today · 4.125%
HK$63,229
baseline
▲ 0.50% · 4.625%
HK$66,561
+HK$3,332/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$738,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,909
−HK$3,945/mo
▼ 0.25% · 3.875%
HK$64,866
−HK$1,988/mo
Today · 4.125%
HK$66,854
baseline
▲ 0.50% · 4.625%
HK$70,922
+HK$4,068/mo
Deposit HK$5.91M · loan HK$13.79M · min. income ≈ HK$133,708/mo (50% DSR)
Upfront cash ≈ HK$6.65M (deposit + AVD stamp duty HK$738,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,986
−HK$3,781/mo
▼ 0.25% · 3.875%
HK$71,863
−HK$1,904/mo
Today · 4.125%
HK$73,767
baseline
▲ 0.50% · 4.625%
HK$77,655
+HK$3,888/mo
Deposit HK$5.91M · loan HK$13.79M · min. income ≈ HK$147,534/mo (50% DSR)
Upfront cash ≈ HK$6.65M (deposit + AVD stamp duty HK$738,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,883
−HK$5,072/mo
▼ 0.25% · 3.875%
HK$83,399
−HK$2,556/mo
Today · 4.125%
HK$85,955
baseline
▲ 0.50% · 4.625%
HK$91,185
+HK$5,230/mo
Deposit HK$1.97M · loan HK$17.74M · min. income ≈ HK$171,910/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$738,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,981
−HK$4,862/mo
▼ 0.25% · 3.875%
HK$92,395
−HK$2,448/mo
Today · 4.125%
HK$94,843
baseline
▲ 0.50% · 4.625%
HK$99,842
+HK$4,999/mo
Deposit HK$1.97M · loan HK$17.74M · min. income ≈ HK$189,686/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$738,979 · Scale 2, in force from 26 Feb 2026)