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$44,859
−HK$2,813/mo
▼ 0.25% · 3.875%
HK$46,254
−HK$1,418/mo
Today · 4.125%
HK$47,672
baseline
▲ 0.50% · 4.625%
HK$50,573
+HK$2,901/mo
Deposit HK$9.84M · loan HK$9.84M · min. income ≈ HK$95,344/mo (50% DSR)
Upfront cash ≈ HK$10.57M (deposit + AVD stamp duty HK$737,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,905
−HK$2,696/mo
▼ 0.25% · 3.875%
HK$51,243
−HK$1,358/mo
Today · 4.125%
HK$52,601
baseline
▲ 0.50% · 4.625%
HK$55,374
+HK$2,773/mo
Deposit HK$9.84M · loan HK$9.84M · min. income ≈ HK$105,202/mo (50% DSR)
Upfront cash ≈ HK$10.57M (deposit + AVD stamp duty HK$737,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,831
−HK$3,375/mo
▼ 0.25% · 3.875%
HK$55,505
−HK$1,701/mo
Today · 4.125%
HK$57,206
baseline
▲ 0.50% · 4.625%
HK$60,687
+HK$3,481/mo
Deposit HK$7.87M · loan HK$11.80M · min. income ≈ HK$114,412/mo (50% DSR)
Upfront cash ≈ HK$8.61M (deposit + AVD stamp duty HK$737,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,886
−HK$3,236/mo
▼ 0.25% · 3.875%
HK$61,492
−HK$1,630/mo
Today · 4.125%
HK$63,122
baseline
▲ 0.50% · 4.625%
HK$66,449
+HK$3,327/mo
Deposit HK$7.87M · loan HK$11.80M · min. income ≈ HK$126,244/mo (50% DSR)
Upfront cash ≈ HK$8.61M (deposit + AVD stamp duty HK$737,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,802
−HK$3,939/mo
▼ 0.25% · 3.875%
HK$64,756
−HK$1,985/mo
Today · 4.125%
HK$66,741
baseline
▲ 0.50% · 4.625%
HK$70,802
+HK$4,061/mo
Deposit HK$5.90M · loan HK$13.77M · min. income ≈ HK$133,482/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$737,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,867
−HK$3,775/mo
▼ 0.25% · 3.875%
HK$71,741
−HK$1,901/mo
Today · 4.125%
HK$73,642
baseline
▲ 0.50% · 4.625%
HK$77,524
+HK$3,882/mo
Deposit HK$5.90M · loan HK$13.77M · min. income ≈ HK$147,284/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$737,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,746
−HK$5,063/mo
▼ 0.25% · 3.875%
HK$83,258
−HK$2,551/mo
Today · 4.125%
HK$85,809
baseline
▲ 0.50% · 4.625%
HK$91,031
+HK$5,222/mo
Deposit HK$1.97M · loan HK$17.71M · min. income ≈ HK$171,618/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$737,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,829
−HK$4,853/mo
▼ 0.25% · 3.875%
HK$92,238
−HK$2,444/mo
Today · 4.125%
HK$94,682
baseline
▲ 0.50% · 4.625%
HK$99,673
+HK$4,991/mo
Deposit HK$1.97M · loan HK$17.71M · min. income ≈ HK$189,364/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$737,728 · Scale 2, in force from 26 Feb 2026)