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$44,902
−HK$2,816/mo
▼ 0.25% · 3.875%
HK$46,299
−HK$1,419/mo
Today · 4.125%
HK$47,718
baseline
▲ 0.50% · 4.625%
HK$50,621
+HK$2,903/mo
Deposit HK$9.85M · loan HK$9.85M · min. income ≈ HK$95,436/mo (50% DSR)
Upfront cash ≈ HK$10.58M (deposit + AVD stamp duty HK$738,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,953
−HK$2,699/mo
▼ 0.25% · 3.875%
HK$51,293
−HK$1,359/mo
Today · 4.125%
HK$52,652
baseline
▲ 0.50% · 4.625%
HK$55,427
+HK$2,775/mo
Deposit HK$9.85M · loan HK$9.85M · min. income ≈ HK$105,304/mo (50% DSR)
Upfront cash ≈ HK$10.58M (deposit + AVD stamp duty HK$738,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,882
−HK$3,379/mo
▼ 0.25% · 3.875%
HK$55,558
−HK$1,703/mo
Today · 4.125%
HK$57,261
baseline
▲ 0.50% · 4.625%
HK$60,745
+HK$3,484/mo
Deposit HK$7.88M · loan HK$11.81M · min. income ≈ HK$114,522/mo (50% DSR)
Upfront cash ≈ HK$8.62M (deposit + AVD stamp duty HK$738,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,943
−HK$3,239/mo
▼ 0.25% · 3.875%
HK$61,551
−HK$1,631/mo
Today · 4.125%
HK$63,182
baseline
▲ 0.50% · 4.625%
HK$66,512
+HK$3,330/mo
Deposit HK$7.88M · loan HK$11.81M · min. income ≈ HK$126,364/mo (50% DSR)
Upfront cash ≈ HK$8.62M (deposit + AVD stamp duty HK$738,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,863
−HK$3,942/mo
▼ 0.25% · 3.875%
HK$64,818
−HK$1,987/mo
Today · 4.125%
HK$66,805
baseline
▲ 0.50% · 4.625%
HK$70,870
+HK$4,065/mo
Deposit HK$5.91M · loan HK$13.78M · min. income ≈ HK$133,610/mo (50% DSR)
Upfront cash ≈ HK$6.65M (deposit + AVD stamp duty HK$738,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,934
−HK$3,778/mo
▼ 0.25% · 3.875%
HK$71,810
−HK$1,902/mo
Today · 4.125%
HK$73,712
baseline
▲ 0.50% · 4.625%
HK$77,598
+HK$3,886/mo
Deposit HK$5.91M · loan HK$13.78M · min. income ≈ HK$147,424/mo (50% DSR)
Upfront cash ≈ HK$6.65M (deposit + AVD stamp duty HK$738,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,823
−HK$5,069/mo
▼ 0.25% · 3.875%
HK$83,337
−HK$2,555/mo
Today · 4.125%
HK$85,892
baseline
▲ 0.50% · 4.625%
HK$91,118
+HK$5,226/mo
Deposit HK$1.97M · loan HK$17.72M · min. income ≈ HK$171,784/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$738,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,915
−HK$4,858/mo
▼ 0.25% · 3.875%
HK$92,327
−HK$2,446/mo
Today · 4.125%
HK$94,773
baseline
▲ 0.50% · 4.625%
HK$99,769
+HK$4,996/mo
Deposit HK$1.97M · loan HK$17.72M · min. income ≈ HK$189,546/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$738,435 · Scale 2, in force from 26 Feb 2026)