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$44,882
−HK$2,815/mo
▼ 0.25% · 3.875%
HK$46,278
−HK$1,419/mo
Today · 4.125%
HK$47,697
baseline
▲ 0.50% · 4.625%
HK$50,599
+HK$2,902/mo
Deposit HK$9.84M · loan HK$9.84M · min. income ≈ HK$95,394/mo (50% DSR)
Upfront cash ≈ HK$10.58M (deposit + AVD stamp duty HK$738,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,931
−HK$2,697/mo
▼ 0.25% · 3.875%
HK$51,270
−HK$1,358/mo
Today · 4.125%
HK$52,628
baseline
▲ 0.50% · 4.625%
HK$55,403
+HK$2,775/mo
Deposit HK$9.84M · loan HK$9.84M · min. income ≈ HK$105,256/mo (50% DSR)
Upfront cash ≈ HK$10.58M (deposit + AVD stamp duty HK$738,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,858
−HK$3,378/mo
▼ 0.25% · 3.875%
HK$55,534
−HK$1,702/mo
Today · 4.125%
HK$57,236
baseline
▲ 0.50% · 4.625%
HK$60,719
+HK$3,483/mo
Deposit HK$7.87M · loan HK$11.81M · min. income ≈ HK$114,472/mo (50% DSR)
Upfront cash ≈ HK$8.61M (deposit + AVD stamp duty HK$738,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,917
−HK$3,237/mo
▼ 0.25% · 3.875%
HK$61,524
−HK$1,630/mo
Today · 4.125%
HK$63,154
baseline
▲ 0.50% · 4.625%
HK$66,483
+HK$3,329/mo
Deposit HK$7.87M · loan HK$11.81M · min. income ≈ HK$126,308/mo (50% DSR)
Upfront cash ≈ HK$8.61M (deposit + AVD stamp duty HK$738,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,835
−HK$3,940/mo
▼ 0.25% · 3.875%
HK$64,789
−HK$1,986/mo
Today · 4.125%
HK$66,775
baseline
▲ 0.50% · 4.625%
HK$70,838
+HK$4,063/mo
Deposit HK$5.90M · loan HK$13.78M · min. income ≈ HK$133,550/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$738,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,903
−HK$3,777/mo
▼ 0.25% · 3.875%
HK$71,778
−HK$1,902/mo
Today · 4.125%
HK$73,680
baseline
▲ 0.50% · 4.625%
HK$77,564
+HK$3,884/mo
Deposit HK$5.90M · loan HK$13.78M · min. income ≈ HK$147,360/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$738,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,788
−HK$5,066/mo
▼ 0.25% · 3.875%
HK$83,301
−HK$2,553/mo
Today · 4.125%
HK$85,854
baseline
▲ 0.50% · 4.625%
HK$91,078
+HK$5,224/mo
Deposit HK$1.97M · loan HK$17.71M · min. income ≈ HK$171,708/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$738,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,876
−HK$4,855/mo
▼ 0.25% · 3.875%
HK$92,286
−HK$2,445/mo
Today · 4.125%
HK$94,731
baseline
▲ 0.50% · 4.625%
HK$99,725
+HK$4,994/mo
Deposit HK$1.97M · loan HK$17.71M · min. income ≈ HK$189,462/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$738,109 · Scale 2, in force from 26 Feb 2026)