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$44,854
−HK$2,813/mo
▼ 0.25% · 3.875%
HK$46,249
−HK$1,418/mo
Today · 4.125%
HK$47,667
baseline
▲ 0.50% · 4.625%
HK$50,567
+HK$2,900/mo
Deposit HK$9.84M · loan HK$9.84M · min. income ≈ HK$95,334/mo (50% DSR)
Upfront cash ≈ HK$10.57M (deposit + AVD stamp duty HK$737,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,900
−HK$2,696/mo
▼ 0.25% · 3.875%
HK$51,238
−HK$1,358/mo
Today · 4.125%
HK$52,596
baseline
▲ 0.50% · 4.625%
HK$55,368
+HK$2,772/mo
Deposit HK$9.84M · loan HK$9.84M · min. income ≈ HK$105,192/mo (50% DSR)
Upfront cash ≈ HK$10.57M (deposit + AVD stamp duty HK$737,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,825
−HK$3,375/mo
▼ 0.25% · 3.875%
HK$55,499
−HK$1,701/mo
Today · 4.125%
HK$57,200
baseline
▲ 0.50% · 4.625%
HK$60,681
+HK$3,481/mo
Deposit HK$7.87M · loan HK$11.80M · min. income ≈ HK$114,400/mo (50% DSR)
Upfront cash ≈ HK$8.61M (deposit + AVD stamp duty HK$737,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,880
−HK$3,235/mo
▼ 0.25% · 3.875%
HK$61,486
−HK$1,629/mo
Today · 4.125%
HK$63,115
baseline
▲ 0.50% · 4.625%
HK$66,442
+HK$3,327/mo
Deposit HK$7.87M · loan HK$11.80M · min. income ≈ HK$126,230/mo (50% DSR)
Upfront cash ≈ HK$8.61M (deposit + AVD stamp duty HK$737,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,796
−HK$3,938/mo
▼ 0.25% · 3.875%
HK$64,749
−HK$1,985/mo
Today · 4.125%
HK$66,734
baseline
▲ 0.50% · 4.625%
HK$70,794
+HK$4,060/mo
Deposit HK$5.90M · loan HK$13.77M · min. income ≈ HK$133,468/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$737,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,860
−HK$3,774/mo
▼ 0.25% · 3.875%
HK$71,733
−HK$1,901/mo
Today · 4.125%
HK$73,634
baseline
▲ 0.50% · 4.625%
HK$77,515
+HK$3,881/mo
Deposit HK$5.90M · loan HK$13.77M · min. income ≈ HK$147,268/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$737,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,738
−HK$5,063/mo
▼ 0.25% · 3.875%
HK$83,249
−HK$2,552/mo
Today · 4.125%
HK$85,801
baseline
▲ 0.50% · 4.625%
HK$91,021
+HK$5,220/mo
Deposit HK$1.97M · loan HK$17.70M · min. income ≈ HK$171,602/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$737,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,820
−HK$4,852/mo
▼ 0.25% · 3.875%
HK$92,229
−HK$2,443/mo
Today · 4.125%
HK$94,672
baseline
▲ 0.50% · 4.625%
HK$99,663
+HK$4,991/mo
Deposit HK$1.97M · loan HK$17.70M · min. income ≈ HK$189,344/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$737,651 · Scale 2, in force from 26 Feb 2026)