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$44,830
−HK$2,811/mo
▼ 0.25% · 3.875%
HK$46,224
−HK$1,417/mo
Today · 4.125%
HK$47,641
baseline
▲ 0.50% · 4.625%
HK$50,540
+HK$2,899/mo
Deposit HK$9.83M · loan HK$9.83M · min. income ≈ HK$95,282/mo (50% DSR)
Upfront cash ≈ HK$10.57M (deposit + AVD stamp duty HK$737,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,873
−HK$2,694/mo
▼ 0.25% · 3.875%
HK$51,210
−HK$1,357/mo
Today · 4.125%
HK$52,567
baseline
▲ 0.50% · 4.625%
HK$55,338
+HK$2,771/mo
Deposit HK$9.83M · loan HK$9.83M · min. income ≈ HK$105,134/mo (50% DSR)
Upfront cash ≈ HK$10.57M (deposit + AVD stamp duty HK$737,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,796
−HK$3,373/mo
▼ 0.25% · 3.875%
HK$55,469
−HK$1,700/mo
Today · 4.125%
HK$57,169
baseline
▲ 0.50% · 4.625%
HK$60,648
+HK$3,479/mo
Deposit HK$7.86M · loan HK$11.80M · min. income ≈ HK$114,338/mo (50% DSR)
Upfront cash ≈ HK$8.60M (deposit + AVD stamp duty HK$737,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,847
−HK$3,234/mo
▼ 0.25% · 3.875%
HK$61,452
−HK$1,629/mo
Today · 4.125%
HK$63,081
baseline
▲ 0.50% · 4.625%
HK$66,406
+HK$3,325/mo
Deposit HK$7.86M · loan HK$11.80M · min. income ≈ HK$126,162/mo (50% DSR)
Upfront cash ≈ HK$8.60M (deposit + AVD stamp duty HK$737,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,762
−HK$3,936/mo
▼ 0.25% · 3.875%
HK$64,714
−HK$1,984/mo
Today · 4.125%
HK$66,698
baseline
▲ 0.50% · 4.625%
HK$70,756
+HK$4,058/mo
Deposit HK$5.90M · loan HK$13.76M · min. income ≈ HK$133,396/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$737,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,822
−HK$3,772/mo
▼ 0.25% · 3.875%
HK$71,695
−HK$1,899/mo
Today · 4.125%
HK$73,594
baseline
▲ 0.50% · 4.625%
HK$77,473
+HK$3,879/mo
Deposit HK$5.90M · loan HK$13.76M · min. income ≈ HK$147,188/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$737,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,694
−HK$5,060/mo
▼ 0.25% · 3.875%
HK$83,204
−HK$2,550/mo
Today · 4.125%
HK$85,754
baseline
▲ 0.50% · 4.625%
HK$90,972
+HK$5,218/mo
Deposit HK$1.97M · loan HK$17.69M · min. income ≈ HK$171,508/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$737,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,771
−HK$4,850/mo
▼ 0.25% · 3.875%
HK$92,179
−HK$2,442/mo
Today · 4.125%
HK$94,621
baseline
▲ 0.50% · 4.625%
HK$99,609
+HK$4,988/mo
Deposit HK$1.97M · loan HK$17.69M · min. income ≈ HK$189,242/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$737,252 · Scale 2, in force from 26 Feb 2026)