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$44,913
−HK$2,816/mo
▼ 0.25% · 3.875%
HK$46,310
−HK$1,419/mo
Today · 4.125%
HK$47,729
baseline
▲ 0.50% · 4.625%
HK$50,634
+HK$2,905/mo
Deposit HK$9.85M · loan HK$9.85M · min. income ≈ HK$95,458/mo (50% DSR)
Upfront cash ≈ HK$10.59M (deposit + AVD stamp duty HK$738,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,965
−HK$2,700/mo
▼ 0.25% · 3.875%
HK$51,305
−HK$1,360/mo
Today · 4.125%
HK$52,665
baseline
▲ 0.50% · 4.625%
HK$55,441
+HK$2,776/mo
Deposit HK$9.85M · loan HK$9.85M · min. income ≈ HK$105,330/mo (50% DSR)
Upfront cash ≈ HK$10.59M (deposit + AVD stamp duty HK$738,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,896
−HK$3,379/mo
▼ 0.25% · 3.875%
HK$55,572
−HK$1,703/mo
Today · 4.125%
HK$57,275
baseline
▲ 0.50% · 4.625%
HK$60,760
+HK$3,485/mo
Deposit HK$7.88M · loan HK$11.82M · min. income ≈ HK$114,550/mo (50% DSR)
Upfront cash ≈ HK$8.62M (deposit + AVD stamp duty HK$738,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,958
−HK$3,240/mo
▼ 0.25% · 3.875%
HK$61,566
−HK$1,632/mo
Today · 4.125%
HK$63,198
baseline
▲ 0.50% · 4.625%
HK$66,529
+HK$3,331/mo
Deposit HK$7.88M · loan HK$11.82M · min. income ≈ HK$126,396/mo (50% DSR)
Upfront cash ≈ HK$8.62M (deposit + AVD stamp duty HK$738,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,878
−HK$3,943/mo
▼ 0.25% · 3.875%
HK$64,834
−HK$1,987/mo
Today · 4.125%
HK$66,821
baseline
▲ 0.50% · 4.625%
HK$70,887
+HK$4,066/mo
Deposit HK$5.91M · loan HK$13.79M · min. income ≈ HK$133,642/mo (50% DSR)
Upfront cash ≈ HK$6.65M (deposit + AVD stamp duty HK$738,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,951
−HK$3,780/mo
▼ 0.25% · 3.875%
HK$71,827
−HK$1,904/mo
Today · 4.125%
HK$73,731
baseline
▲ 0.50% · 4.625%
HK$77,617
+HK$3,886/mo
Deposit HK$5.91M · loan HK$13.79M · min. income ≈ HK$147,462/mo (50% DSR)
Upfront cash ≈ HK$6.65M (deposit + AVD stamp duty HK$738,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,843
−HK$5,070/mo
▼ 0.25% · 3.875%
HK$83,358
−HK$2,555/mo
Today · 4.125%
HK$85,913
baseline
▲ 0.50% · 4.625%
HK$91,141
+HK$5,228/mo
Deposit HK$1.97M · loan HK$17.73M · min. income ≈ HK$171,826/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$738,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,938
−HK$4,859/mo
▼ 0.25% · 3.875%
HK$92,350
−HK$2,447/mo
Today · 4.125%
HK$94,797
baseline
▲ 0.50% · 4.625%
HK$99,793
+HK$4,996/mo
Deposit HK$1.97M · loan HK$17.73M · min. income ≈ HK$189,594/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$738,618 · Scale 2, in force from 26 Feb 2026)