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$44,856
−HK$2,813/mo
▼ 0.25% · 3.875%
HK$46,252
−HK$1,417/mo
Today · 4.125%
HK$47,669
baseline
▲ 0.50% · 4.625%
HK$50,570
+HK$2,901/mo
Deposit HK$9.84M · loan HK$9.84M · min. income ≈ HK$95,338/mo (50% DSR)
Upfront cash ≈ HK$10.57M (deposit + AVD stamp duty HK$737,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,902
−HK$2,696/mo
▼ 0.25% · 3.875%
HK$51,241
−HK$1,357/mo
Today · 4.125%
HK$52,598
baseline
▲ 0.50% · 4.625%
HK$55,371
+HK$2,773/mo
Deposit HK$9.84M · loan HK$9.84M · min. income ≈ HK$105,196/mo (50% DSR)
Upfront cash ≈ HK$10.57M (deposit + AVD stamp duty HK$737,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,828
−HK$3,375/mo
▼ 0.25% · 3.875%
HK$55,502
−HK$1,701/mo
Today · 4.125%
HK$57,203
baseline
▲ 0.50% · 4.625%
HK$60,684
+HK$3,481/mo
Deposit HK$7.87M · loan HK$11.80M · min. income ≈ HK$114,406/mo (50% DSR)
Upfront cash ≈ HK$8.61M (deposit + AVD stamp duty HK$737,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,883
−HK$3,235/mo
▼ 0.25% · 3.875%
HK$61,489
−HK$1,629/mo
Today · 4.125%
HK$63,118
baseline
▲ 0.50% · 4.625%
HK$66,445
+HK$3,327/mo
Deposit HK$7.87M · loan HK$11.80M · min. income ≈ HK$126,236/mo (50% DSR)
Upfront cash ≈ HK$8.61M (deposit + AVD stamp duty HK$737,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,799
−HK$3,938/mo
▼ 0.25% · 3.875%
HK$64,752
−HK$1,985/mo
Today · 4.125%
HK$66,737
baseline
▲ 0.50% · 4.625%
HK$70,798
+HK$4,061/mo
Deposit HK$5.90M · loan HK$13.77M · min. income ≈ HK$133,474/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$737,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,863
−HK$3,774/mo
▼ 0.25% · 3.875%
HK$71,737
−HK$1,900/mo
Today · 4.125%
HK$73,637
baseline
▲ 0.50% · 4.625%
HK$77,519
+HK$3,882/mo
Deposit HK$5.90M · loan HK$13.77M · min. income ≈ HK$147,274/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$737,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,741
−HK$5,063/mo
▼ 0.25% · 3.875%
HK$83,253
−HK$2,551/mo
Today · 4.125%
HK$85,804
baseline
▲ 0.50% · 4.625%
HK$91,025
+HK$5,221/mo
Deposit HK$1.97M · loan HK$17.70M · min. income ≈ HK$171,608/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$737,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,824
−HK$4,853/mo
▼ 0.25% · 3.875%
HK$92,233
−HK$2,444/mo
Today · 4.125%
HK$94,677
baseline
▲ 0.50% · 4.625%
HK$99,667
+HK$4,990/mo
Deposit HK$1.97M · loan HK$17.70M · min. income ≈ HK$189,354/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$737,685 · Scale 2, in force from 26 Feb 2026)