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$44,892
−HK$2,815/mo
▼ 0.25% · 3.875%
HK$46,289
−HK$1,418/mo
Today · 4.125%
HK$47,707
baseline
▲ 0.50% · 4.625%
HK$50,610
+HK$2,903/mo
Deposit HK$9.84M · loan HK$9.84M · min. income ≈ HK$95,414/mo (50% DSR)
Upfront cash ≈ HK$10.58M (deposit + AVD stamp duty HK$738,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,942
−HK$2,698/mo
▼ 0.25% · 3.875%
HK$51,282
−HK$1,358/mo
Today · 4.125%
HK$52,640
baseline
▲ 0.50% · 4.625%
HK$55,415
+HK$2,775/mo
Deposit HK$9.84M · loan HK$9.84M · min. income ≈ HK$105,280/mo (50% DSR)
Upfront cash ≈ HK$10.58M (deposit + AVD stamp duty HK$738,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,871
−HK$3,378/mo
▼ 0.25% · 3.875%
HK$55,546
−HK$1,703/mo
Today · 4.125%
HK$57,249
baseline
▲ 0.50% · 4.625%
HK$60,732
+HK$3,483/mo
Deposit HK$7.87M · loan HK$11.81M · min. income ≈ HK$114,498/mo (50% DSR)
Upfront cash ≈ HK$8.61M (deposit + AVD stamp duty HK$738,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,931
−HK$3,238/mo
▼ 0.25% · 3.875%
HK$61,538
−HK$1,631/mo
Today · 4.125%
HK$63,169
baseline
▲ 0.50% · 4.625%
HK$66,498
+HK$3,329/mo
Deposit HK$7.87M · loan HK$11.81M · min. income ≈ HK$126,338/mo (50% DSR)
Upfront cash ≈ HK$8.61M (deposit + AVD stamp duty HK$738,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,849
−HK$3,941/mo
▼ 0.25% · 3.875%
HK$64,804
−HK$1,986/mo
Today · 4.125%
HK$66,790
baseline
▲ 0.50% · 4.625%
HK$70,854
+HK$4,064/mo
Deposit HK$5.91M · loan HK$13.78M · min. income ≈ HK$133,580/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$738,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,919
−HK$3,778/mo
▼ 0.25% · 3.875%
HK$71,794
−HK$1,903/mo
Today · 4.125%
HK$73,697
baseline
▲ 0.50% · 4.625%
HK$77,581
+HK$3,884/mo
Deposit HK$5.91M · loan HK$13.78M · min. income ≈ HK$147,394/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$738,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,806
−HK$5,067/mo
▼ 0.25% · 3.875%
HK$83,320
−HK$2,553/mo
Today · 4.125%
HK$85,873
baseline
▲ 0.50% · 4.625%
HK$91,099
+HK$5,226/mo
Deposit HK$1.97M · loan HK$17.72M · min. income ≈ HK$171,746/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$738,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,896
−HK$4,857/mo
▼ 0.25% · 3.875%
HK$92,307
−HK$2,446/mo
Today · 4.125%
HK$94,753
baseline
▲ 0.50% · 4.625%
HK$99,747
+HK$4,994/mo
Deposit HK$1.97M · loan HK$17.72M · min. income ≈ HK$189,506/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$738,277 · Scale 2, in force from 26 Feb 2026)