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$44,944
−HK$2,818/mo
▼ 0.25% · 3.875%
HK$46,342
−HK$1,420/mo
Today · 4.125%
HK$47,762
baseline
▲ 0.50% · 4.625%
HK$50,669
+HK$2,907/mo
Deposit HK$9.86M · loan HK$9.86M · min. income ≈ HK$95,524/mo (50% DSR)
Upfront cash ≈ HK$10.59M (deposit + AVD stamp duty HK$739,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,000
−HK$2,701/mo
▼ 0.25% · 3.875%
HK$51,341
−HK$1,360/mo
Today · 4.125%
HK$52,701
baseline
▲ 0.50% · 4.625%
HK$55,479
+HK$2,778/mo
Deposit HK$9.86M · loan HK$9.86M · min. income ≈ HK$105,402/mo (50% DSR)
Upfront cash ≈ HK$10.59M (deposit + AVD stamp duty HK$739,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,933
−HK$3,382/mo
▼ 0.25% · 3.875%
HK$55,610
−HK$1,705/mo
Today · 4.125%
HK$57,315
baseline
▲ 0.50% · 4.625%
HK$60,802
+HK$3,487/mo
Deposit HK$7.88M · loan HK$11.83M · min. income ≈ HK$114,630/mo (50% DSR)
Upfront cash ≈ HK$8.62M (deposit + AVD stamp duty HK$739,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,000
−HK$3,241/mo
▼ 0.25% · 3.875%
HK$61,609
−HK$1,632/mo
Today · 4.125%
HK$63,241
baseline
▲ 0.50% · 4.625%
HK$66,575
+HK$3,334/mo
Deposit HK$7.88M · loan HK$11.83M · min. income ≈ HK$126,482/mo (50% DSR)
Upfront cash ≈ HK$8.62M (deposit + AVD stamp duty HK$739,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,921
−HK$3,946/mo
▼ 0.25% · 3.875%
HK$64,879
−HK$1,988/mo
Today · 4.125%
HK$66,867
baseline
▲ 0.50% · 4.625%
HK$70,936
+HK$4,069/mo
Deposit HK$5.91M · loan HK$13.80M · min. income ≈ HK$133,734/mo (50% DSR)
Upfront cash ≈ HK$6.65M (deposit + AVD stamp duty HK$739,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,000
−HK$3,781/mo
▼ 0.25% · 3.875%
HK$71,877
−HK$1,904/mo
Today · 4.125%
HK$73,781
baseline
▲ 0.50% · 4.625%
HK$77,671
+HK$3,890/mo
Deposit HK$5.91M · loan HK$13.80M · min. income ≈ HK$147,562/mo (50% DSR)
Upfront cash ≈ HK$6.65M (deposit + AVD stamp duty HK$739,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,899
−HK$5,073/mo
▼ 0.25% · 3.875%
HK$83,415
−HK$2,557/mo
Today · 4.125%
HK$85,972
baseline
▲ 0.50% · 4.625%
HK$91,203
+HK$5,231/mo
Deposit HK$1.97M · loan HK$17.74M · min. income ≈ HK$171,944/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$739,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,999
−HK$4,863/mo
▼ 0.25% · 3.875%
HK$92,413
−HK$2,449/mo
Today · 4.125%
HK$94,862
baseline
▲ 0.50% · 4.625%
HK$99,862
+HK$5,000/mo
Deposit HK$1.97M · loan HK$17.74M · min. income ≈ HK$189,724/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$739,127 · Scale 2, in force from 26 Feb 2026)