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$44,869
−HK$2,813/mo
▼ 0.25% · 3.875%
HK$46,264
−HK$1,418/mo
Today · 4.125%
HK$47,682
baseline
▲ 0.50% · 4.625%
HK$50,584
+HK$2,902/mo
Deposit HK$9.84M · loan HK$9.84M · min. income ≈ HK$95,364/mo (50% DSR)
Upfront cash ≈ HK$10.58M (deposit + AVD stamp duty HK$737,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,916
−HK$2,697/mo
▼ 0.25% · 3.875%
HK$51,255
−HK$1,358/mo
Today · 4.125%
HK$52,613
baseline
▲ 0.50% · 4.625%
HK$55,386
+HK$2,773/mo
Deposit HK$9.84M · loan HK$9.84M · min. income ≈ HK$105,226/mo (50% DSR)
Upfront cash ≈ HK$10.58M (deposit + AVD stamp duty HK$737,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,842
−HK$3,377/mo
▼ 0.25% · 3.875%
HK$55,517
−HK$1,702/mo
Today · 4.125%
HK$57,219
baseline
▲ 0.50% · 4.625%
HK$60,700
+HK$3,481/mo
Deposit HK$7.87M · loan HK$11.81M · min. income ≈ HK$114,438/mo (50% DSR)
Upfront cash ≈ HK$8.61M (deposit + AVD stamp duty HK$737,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,899
−HK$3,236/mo
▼ 0.25% · 3.875%
HK$61,505
−HK$1,630/mo
Today · 4.125%
HK$63,135
baseline
▲ 0.50% · 4.625%
HK$66,463
+HK$3,328/mo
Deposit HK$7.87M · loan HK$11.81M · min. income ≈ HK$126,270/mo (50% DSR)
Upfront cash ≈ HK$8.61M (deposit + AVD stamp duty HK$737,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,816
−HK$3,939/mo
▼ 0.25% · 3.875%
HK$64,770
−HK$1,985/mo
Today · 4.125%
HK$66,755
baseline
▲ 0.50% · 4.625%
HK$70,817
+HK$4,062/mo
Deposit HK$5.90M · loan HK$13.77M · min. income ≈ HK$133,510/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$737,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,882
−HK$3,776/mo
▼ 0.25% · 3.875%
HK$71,756
−HK$1,902/mo
Today · 4.125%
HK$73,658
baseline
▲ 0.50% · 4.625%
HK$77,540
+HK$3,882/mo
Deposit HK$5.90M · loan HK$13.77M · min. income ≈ HK$147,316/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$737,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,763
−HK$5,065/mo
▼ 0.25% · 3.875%
HK$83,276
−HK$2,552/mo
Today · 4.125%
HK$85,828
baseline
▲ 0.50% · 4.625%
HK$91,050
+HK$5,222/mo
Deposit HK$1.97M · loan HK$17.71M · min. income ≈ HK$171,656/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$737,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,848
−HK$4,855/mo
▼ 0.25% · 3.875%
HK$92,258
−HK$2,445/mo
Today · 4.125%
HK$94,703
baseline
▲ 0.50% · 4.625%
HK$99,695
+HK$4,992/mo
Deposit HK$1.97M · loan HK$17.71M · min. income ≈ HK$189,406/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$737,887 · Scale 2, in force from 26 Feb 2026)