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$44,934
−HK$2,817/mo
▼ 0.25% · 3.875%
HK$46,331
−HK$1,420/mo
Today · 4.125%
HK$47,751
baseline
▲ 0.50% · 4.625%
HK$50,657
+HK$2,906/mo
Deposit HK$9.85M · loan HK$9.85M · min. income ≈ HK$95,502/mo (50% DSR)
Upfront cash ≈ HK$10.59M (deposit + AVD stamp duty HK$738,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,988
−HK$2,701/mo
▼ 0.25% · 3.875%
HK$51,329
−HK$1,360/mo
Today · 4.125%
HK$52,689
baseline
▲ 0.50% · 4.625%
HK$55,466
+HK$2,777/mo
Deposit HK$9.85M · loan HK$9.85M · min. income ≈ HK$105,378/mo (50% DSR)
Upfront cash ≈ HK$10.59M (deposit + AVD stamp duty HK$738,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,920
−HK$3,382/mo
▼ 0.25% · 3.875%
HK$55,598
−HK$1,704/mo
Today · 4.125%
HK$57,302
baseline
▲ 0.50% · 4.625%
HK$60,788
+HK$3,486/mo
Deposit HK$7.88M · loan HK$11.82M · min. income ≈ HK$114,604/mo (50% DSR)
Upfront cash ≈ HK$8.62M (deposit + AVD stamp duty HK$738,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,986
−HK$3,241/mo
▼ 0.25% · 3.875%
HK$61,595
−HK$1,632/mo
Today · 4.125%
HK$63,227
baseline
▲ 0.50% · 4.625%
HK$66,560
+HK$3,333/mo
Deposit HK$7.88M · loan HK$11.82M · min. income ≈ HK$126,454/mo (50% DSR)
Upfront cash ≈ HK$8.62M (deposit + AVD stamp duty HK$738,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,907
−HK$3,945/mo
▼ 0.25% · 3.875%
HK$64,864
−HK$1,988/mo
Today · 4.125%
HK$66,852
baseline
▲ 0.50% · 4.625%
HK$70,920
+HK$4,068/mo
Deposit HK$5.91M · loan HK$13.79M · min. income ≈ HK$133,704/mo (50% DSR)
Upfront cash ≈ HK$6.65M (deposit + AVD stamp duty HK$738,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,984
−HK$3,781/mo
▼ 0.25% · 3.875%
HK$71,860
−HK$1,905/mo
Today · 4.125%
HK$73,765
baseline
▲ 0.50% · 4.625%
HK$77,653
+HK$3,888/mo
Deposit HK$5.91M · loan HK$13.79M · min. income ≈ HK$147,530/mo (50% DSR)
Upfront cash ≈ HK$6.65M (deposit + AVD stamp duty HK$738,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,881
−HK$5,072/mo
▼ 0.25% · 3.875%
HK$83,396
−HK$2,557/mo
Today · 4.125%
HK$85,953
baseline
▲ 0.50% · 4.625%
HK$91,183
+HK$5,230/mo
Deposit HK$1.97M · loan HK$17.73M · min. income ≈ HK$171,906/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$738,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,979
−HK$4,861/mo
▼ 0.25% · 3.875%
HK$92,392
−HK$2,448/mo
Today · 4.125%
HK$94,840
baseline
▲ 0.50% · 4.625%
HK$99,839
+HK$4,999/mo
Deposit HK$1.97M · loan HK$17.73M · min. income ≈ HK$189,680/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$738,958 · Scale 2, in force from 26 Feb 2026)