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$44,862
−HK$2,813/mo
▼ 0.25% · 3.875%
HK$46,257
−HK$1,418/mo
Today · 4.125%
HK$47,675
baseline
▲ 0.50% · 4.625%
HK$50,576
+HK$2,901/mo
Deposit HK$9.84M · loan HK$9.84M · min. income ≈ HK$95,350/mo (50% DSR)
Upfront cash ≈ HK$10.57M (deposit + AVD stamp duty HK$737,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,908
−HK$2,697/mo
▼ 0.25% · 3.875%
HK$51,247
−HK$1,358/mo
Today · 4.125%
HK$52,605
baseline
▲ 0.50% · 4.625%
HK$55,378
+HK$2,773/mo
Deposit HK$9.84M · loan HK$9.84M · min. income ≈ HK$105,210/mo (50% DSR)
Upfront cash ≈ HK$10.57M (deposit + AVD stamp duty HK$737,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,834
−HK$3,376/mo
▼ 0.25% · 3.875%
HK$55,509
−HK$1,701/mo
Today · 4.125%
HK$57,210
baseline
▲ 0.50% · 4.625%
HK$60,691
+HK$3,481/mo
Deposit HK$7.87M · loan HK$11.80M · min. income ≈ HK$114,420/mo (50% DSR)
Upfront cash ≈ HK$8.61M (deposit + AVD stamp duty HK$737,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,890
−HK$3,236/mo
▼ 0.25% · 3.875%
HK$61,496
−HK$1,630/mo
Today · 4.125%
HK$63,126
baseline
▲ 0.50% · 4.625%
HK$66,453
+HK$3,327/mo
Deposit HK$7.87M · loan HK$11.80M · min. income ≈ HK$126,252/mo (50% DSR)
Upfront cash ≈ HK$8.61M (deposit + AVD stamp duty HK$737,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,807
−HK$3,938/mo
▼ 0.25% · 3.875%
HK$64,760
−HK$1,985/mo
Today · 4.125%
HK$66,745
baseline
▲ 0.50% · 4.625%
HK$70,806
+HK$4,061/mo
Deposit HK$5.90M · loan HK$13.77M · min. income ≈ HK$133,490/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$737,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,872
−HK$3,775/mo
▼ 0.25% · 3.875%
HK$71,746
−HK$1,901/mo
Today · 4.125%
HK$73,647
baseline
▲ 0.50% · 4.625%
HK$77,529
+HK$3,882/mo
Deposit HK$5.90M · loan HK$13.77M · min. income ≈ HK$147,294/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$737,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,751
−HK$5,064/mo
▼ 0.25% · 3.875%
HK$83,263
−HK$2,552/mo
Today · 4.125%
HK$85,815
baseline
▲ 0.50% · 4.625%
HK$91,037
+HK$5,222/mo
Deposit HK$1.97M · loan HK$17.71M · min. income ≈ HK$171,630/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$737,777 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,835
−HK$4,854/mo
▼ 0.25% · 3.875%
HK$92,244
−HK$2,445/mo
Today · 4.125%
HK$94,689
baseline
▲ 0.50% · 4.625%
HK$99,680
+HK$4,991/mo
Deposit HK$1.97M · loan HK$17.71M · min. income ≈ HK$189,378/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$737,777 · Scale 2, in force from 26 Feb 2026)