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$44,831
−HK$2,811/mo
▼ 0.25% · 3.875%
HK$46,226
−HK$1,416/mo
Today · 4.125%
HK$47,642
baseline
▲ 0.50% · 4.625%
HK$50,541
+HK$2,899/mo
Deposit HK$9.83M · loan HK$9.83M · min. income ≈ HK$95,284/mo (50% DSR)
Upfront cash ≈ HK$10.57M (deposit + AVD stamp duty HK$737,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,874
−HK$2,695/mo
▼ 0.25% · 3.875%
HK$51,212
−HK$1,357/mo
Today · 4.125%
HK$52,569
baseline
▲ 0.50% · 4.625%
HK$55,340
+HK$2,771/mo
Deposit HK$9.83M · loan HK$9.83M · min. income ≈ HK$105,138/mo (50% DSR)
Upfront cash ≈ HK$10.57M (deposit + AVD stamp duty HK$737,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,797
−HK$3,374/mo
▼ 0.25% · 3.875%
HK$55,471
−HK$1,700/mo
Today · 4.125%
HK$57,171
baseline
▲ 0.50% · 4.625%
HK$60,650
+HK$3,479/mo
Deposit HK$7.86M · loan HK$11.80M · min. income ≈ HK$114,342/mo (50% DSR)
Upfront cash ≈ HK$8.60M (deposit + AVD stamp duty HK$737,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,849
−HK$3,234/mo
▼ 0.25% · 3.875%
HK$61,454
−HK$1,629/mo
Today · 4.125%
HK$63,083
baseline
▲ 0.50% · 4.625%
HK$66,408
+HK$3,325/mo
Deposit HK$7.86M · loan HK$11.80M · min. income ≈ HK$126,166/mo (50% DSR)
Upfront cash ≈ HK$8.60M (deposit + AVD stamp duty HK$737,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,764
−HK$3,935/mo
▼ 0.25% · 3.875%
HK$64,716
−HK$1,983/mo
Today · 4.125%
HK$66,699
baseline
▲ 0.50% · 4.625%
HK$70,758
+HK$4,059/mo
Deposit HK$5.90M · loan HK$13.76M · min. income ≈ HK$133,398/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$737,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,824
−HK$3,772/mo
▼ 0.25% · 3.875%
HK$71,697
−HK$1,899/mo
Today · 4.125%
HK$73,596
baseline
▲ 0.50% · 4.625%
HK$77,476
+HK$3,880/mo
Deposit HK$5.90M · loan HK$13.76M · min. income ≈ HK$147,192/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$737,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,696
−HK$5,060/mo
▼ 0.25% · 3.875%
HK$83,206
−HK$2,550/mo
Today · 4.125%
HK$85,756
baseline
▲ 0.50% · 4.625%
HK$90,975
+HK$5,219/mo
Deposit HK$1.97M · loan HK$17.69M · min. income ≈ HK$171,512/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$737,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,774
−HK$4,850/mo
▼ 0.25% · 3.875%
HK$92,181
−HK$2,443/mo
Today · 4.125%
HK$94,624
baseline
▲ 0.50% · 4.625%
HK$99,612
+HK$4,988/mo
Deposit HK$1.97M · loan HK$17.69M · min. income ≈ HK$189,248/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$737,273 · Scale 2, in force from 26 Feb 2026)