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$44,872
−HK$2,814/mo
▼ 0.25% · 3.875%
HK$46,268
−HK$1,418/mo
Today · 4.125%
HK$47,686
baseline
▲ 0.50% · 4.625%
HK$50,587
+HK$2,901/mo
Deposit HK$9.84M · loan HK$9.84M · min. income ≈ HK$95,372/mo (50% DSR)
Upfront cash ≈ HK$10.58M (deposit + AVD stamp duty HK$737,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,920
−HK$2,697/mo
▼ 0.25% · 3.875%
HK$51,258
−HK$1,359/mo
Today · 4.125%
HK$52,617
baseline
▲ 0.50% · 4.625%
HK$55,390
+HK$2,773/mo
Deposit HK$9.84M · loan HK$9.84M · min. income ≈ HK$105,234/mo (50% DSR)
Upfront cash ≈ HK$10.58M (deposit + AVD stamp duty HK$737,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,846
−HK$3,377/mo
▼ 0.25% · 3.875%
HK$55,521
−HK$1,702/mo
Today · 4.125%
HK$57,223
baseline
▲ 0.50% · 4.625%
HK$60,705
+HK$3,482/mo
Deposit HK$7.87M · loan HK$11.81M · min. income ≈ HK$114,446/mo (50% DSR)
Upfront cash ≈ HK$8.61M (deposit + AVD stamp duty HK$737,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,904
−HK$3,236/mo
▼ 0.25% · 3.875%
HK$61,510
−HK$1,630/mo
Today · 4.125%
HK$63,140
baseline
▲ 0.50% · 4.625%
HK$66,468
+HK$3,328/mo
Deposit HK$7.87M · loan HK$11.81M · min. income ≈ HK$126,280/mo (50% DSR)
Upfront cash ≈ HK$8.61M (deposit + AVD stamp duty HK$737,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,821
−HK$3,939/mo
▼ 0.25% · 3.875%
HK$64,775
−HK$1,985/mo
Today · 4.125%
HK$66,760
baseline
▲ 0.50% · 4.625%
HK$70,822
+HK$4,062/mo
Deposit HK$5.90M · loan HK$13.77M · min. income ≈ HK$133,520/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$737,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,887
−HK$3,776/mo
▼ 0.25% · 3.875%
HK$71,762
−HK$1,901/mo
Today · 4.125%
HK$73,663
baseline
▲ 0.50% · 4.625%
HK$77,546
+HK$3,883/mo
Deposit HK$5.90M · loan HK$13.77M · min. income ≈ HK$147,326/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$737,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,770
−HK$5,065/mo
▼ 0.25% · 3.875%
HK$83,282
−HK$2,553/mo
Today · 4.125%
HK$85,835
baseline
▲ 0.50% · 4.625%
HK$91,057
+HK$5,222/mo
Deposit HK$1.97M · loan HK$17.71M · min. income ≈ HK$171,670/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$737,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,855
−HK$4,855/mo
▼ 0.25% · 3.875%
HK$92,265
−HK$2,445/mo
Today · 4.125%
HK$94,710
baseline
▲ 0.50% · 4.625%
HK$99,702
+HK$4,992/mo
Deposit HK$1.97M · loan HK$17.71M · min. income ≈ HK$189,420/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$737,943 · Scale 2, in force from 26 Feb 2026)