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$44,850
−HK$2,812/mo
▼ 0.25% · 3.875%
HK$46,245
−HK$1,417/mo
Today · 4.125%
HK$47,662
baseline
▲ 0.50% · 4.625%
HK$50,562
+HK$2,900/mo
Deposit HK$9.83M · loan HK$9.83M · min. income ≈ HK$95,324/mo (50% DSR)
Upfront cash ≈ HK$10.57M (deposit + AVD stamp duty HK$737,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,895
−HK$2,696/mo
▼ 0.25% · 3.875%
HK$51,233
−HK$1,358/mo
Today · 4.125%
HK$52,591
baseline
▲ 0.50% · 4.625%
HK$55,363
+HK$2,772/mo
Deposit HK$9.83M · loan HK$9.83M · min. income ≈ HK$105,182/mo (50% DSR)
Upfront cash ≈ HK$10.57M (deposit + AVD stamp duty HK$737,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,820
−HK$3,375/mo
▼ 0.25% · 3.875%
HK$55,494
−HK$1,701/mo
Today · 4.125%
HK$57,195
baseline
▲ 0.50% · 4.625%
HK$60,675
+HK$3,480/mo
Deposit HK$7.87M · loan HK$11.80M · min. income ≈ HK$114,390/mo (50% DSR)
Upfront cash ≈ HK$8.61M (deposit + AVD stamp duty HK$737,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,874
−HK$3,235/mo
▼ 0.25% · 3.875%
HK$61,480
−HK$1,629/mo
Today · 4.125%
HK$63,109
baseline
▲ 0.50% · 4.625%
HK$66,435
+HK$3,326/mo
Deposit HK$7.87M · loan HK$11.80M · min. income ≈ HK$126,218/mo (50% DSR)
Upfront cash ≈ HK$8.61M (deposit + AVD stamp duty HK$737,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,790
−HK$3,937/mo
▼ 0.25% · 3.875%
HK$64,743
−HK$1,984/mo
Today · 4.125%
HK$66,727
baseline
▲ 0.50% · 4.625%
HK$70,787
+HK$4,060/mo
Deposit HK$5.90M · loan HK$13.77M · min. income ≈ HK$133,454/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$737,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,853
−HK$3,774/mo
▼ 0.25% · 3.875%
HK$71,726
−HK$1,901/mo
Today · 4.125%
HK$73,627
baseline
▲ 0.50% · 4.625%
HK$77,508
+HK$3,881/mo
Deposit HK$5.90M · loan HK$13.77M · min. income ≈ HK$147,254/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$737,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,730
−HK$5,062/mo
▼ 0.25% · 3.875%
HK$83,241
−HK$2,551/mo
Today · 4.125%
HK$85,792
baseline
▲ 0.50% · 4.625%
HK$91,012
+HK$5,220/mo
Deposit HK$1.97M · loan HK$17.70M · min. income ≈ HK$171,584/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$737,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,811
−HK$4,852/mo
▼ 0.25% · 3.875%
HK$92,220
−HK$2,443/mo
Today · 4.125%
HK$94,663
baseline
▲ 0.50% · 4.625%
HK$99,653
+HK$4,990/mo
Deposit HK$1.97M · loan HK$17.70M · min. income ≈ HK$189,326/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$737,578 · Scale 2, in force from 26 Feb 2026)