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$44,901
−HK$2,816/mo
▼ 0.25% · 3.875%
HK$46,298
−HK$1,419/mo
Today · 4.125%
HK$47,717
baseline
▲ 0.50% · 4.625%
HK$50,621
+HK$2,904/mo
Deposit HK$9.85M · loan HK$9.85M · min. income ≈ HK$95,434/mo (50% DSR)
Upfront cash ≈ HK$10.58M (deposit + AVD stamp duty HK$738,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,952
−HK$2,699/mo
▼ 0.25% · 3.875%
HK$51,292
−HK$1,359/mo
Today · 4.125%
HK$52,651
baseline
▲ 0.50% · 4.625%
HK$55,426
+HK$2,775/mo
Deposit HK$9.85M · loan HK$9.85M · min. income ≈ HK$105,302/mo (50% DSR)
Upfront cash ≈ HK$10.58M (deposit + AVD stamp duty HK$738,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,882
−HK$3,378/mo
▼ 0.25% · 3.875%
HK$55,558
−HK$1,702/mo
Today · 4.125%
HK$57,260
baseline
▲ 0.50% · 4.625%
HK$60,745
+HK$3,485/mo
Deposit HK$7.88M · loan HK$11.81M · min. income ≈ HK$114,520/mo (50% DSR)
Upfront cash ≈ HK$8.61M (deposit + AVD stamp duty HK$738,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,943
−HK$3,238/mo
▼ 0.25% · 3.875%
HK$61,550
−HK$1,631/mo
Today · 4.125%
HK$63,181
baseline
▲ 0.50% · 4.625%
HK$66,512
+HK$3,331/mo
Deposit HK$7.88M · loan HK$11.81M · min. income ≈ HK$126,362/mo (50% DSR)
Upfront cash ≈ HK$8.61M (deposit + AVD stamp duty HK$738,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,862
−HK$3,942/mo
▼ 0.25% · 3.875%
HK$64,817
−HK$1,987/mo
Today · 4.125%
HK$66,804
baseline
▲ 0.50% · 4.625%
HK$70,869
+HK$4,065/mo
Deposit HK$5.91M · loan HK$13.78M · min. income ≈ HK$133,608/mo (50% DSR)
Upfront cash ≈ HK$6.65M (deposit + AVD stamp duty HK$738,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,933
−HK$3,779/mo
▼ 0.25% · 3.875%
HK$71,809
−HK$1,903/mo
Today · 4.125%
HK$73,712
baseline
▲ 0.50% · 4.625%
HK$77,597
+HK$3,885/mo
Deposit HK$5.91M · loan HK$13.78M · min. income ≈ HK$147,424/mo (50% DSR)
Upfront cash ≈ HK$6.65M (deposit + AVD stamp duty HK$738,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,822
−HK$5,069/mo
▼ 0.25% · 3.875%
HK$83,336
−HK$2,555/mo
Today · 4.125%
HK$85,891
baseline
▲ 0.50% · 4.625%
HK$91,117
+HK$5,226/mo
Deposit HK$1.97M · loan HK$17.72M · min. income ≈ HK$171,782/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$738,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,914
−HK$4,858/mo
▼ 0.25% · 3.875%
HK$92,326
−HK$2,446/mo
Today · 4.125%
HK$94,772
baseline
▲ 0.50% · 4.625%
HK$99,767
+HK$4,995/mo
Deposit HK$1.97M · loan HK$17.72M · min. income ≈ HK$189,544/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$738,427 · Scale 2, in force from 26 Feb 2026)