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$44,875
−HK$2,814/mo
▼ 0.25% · 3.875%
HK$46,271
−HK$1,418/mo
Today · 4.125%
HK$47,689
baseline
▲ 0.50% · 4.625%
HK$50,591
+HK$2,902/mo
Deposit HK$9.84M · loan HK$9.84M · min. income ≈ HK$95,378/mo (50% DSR)
Upfront cash ≈ HK$10.58M (deposit + AVD stamp duty HK$737,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,923
−HK$2,697/mo
▼ 0.25% · 3.875%
HK$51,262
−HK$1,358/mo
Today · 4.125%
HK$52,620
baseline
▲ 0.50% · 4.625%
HK$55,394
+HK$2,774/mo
Deposit HK$9.84M · loan HK$9.84M · min. income ≈ HK$105,240/mo (50% DSR)
Upfront cash ≈ HK$10.58M (deposit + AVD stamp duty HK$737,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,850
−HK$3,377/mo
▼ 0.25% · 3.875%
HK$55,525
−HK$1,702/mo
Today · 4.125%
HK$57,227
baseline
▲ 0.50% · 4.625%
HK$60,709
+HK$3,482/mo
Deposit HK$7.87M · loan HK$11.81M · min. income ≈ HK$114,454/mo (50% DSR)
Upfront cash ≈ HK$8.61M (deposit + AVD stamp duty HK$737,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,908
−HK$3,236/mo
▼ 0.25% · 3.875%
HK$61,514
−HK$1,630/mo
Today · 4.125%
HK$63,144
baseline
▲ 0.50% · 4.625%
HK$66,473
+HK$3,329/mo
Deposit HK$7.87M · loan HK$11.81M · min. income ≈ HK$126,288/mo (50% DSR)
Upfront cash ≈ HK$8.61M (deposit + AVD stamp duty HK$737,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,825
−HK$3,940/mo
▼ 0.25% · 3.875%
HK$64,779
−HK$1,986/mo
Today · 4.125%
HK$66,765
baseline
▲ 0.50% · 4.625%
HK$70,827
+HK$4,062/mo
Deposit HK$5.90M · loan HK$13.78M · min. income ≈ HK$133,530/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$737,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,892
−HK$3,776/mo
▼ 0.25% · 3.875%
HK$71,767
−HK$1,901/mo
Today · 4.125%
HK$73,668
baseline
▲ 0.50% · 4.625%
HK$77,552
+HK$3,884/mo
Deposit HK$5.90M · loan HK$13.78M · min. income ≈ HK$147,336/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$737,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,775
−HK$5,065/mo
▼ 0.25% · 3.875%
HK$83,288
−HK$2,552/mo
Today · 4.125%
HK$85,840
baseline
▲ 0.50% · 4.625%
HK$91,064
+HK$5,224/mo
Deposit HK$1.97M · loan HK$17.71M · min. income ≈ HK$171,680/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$737,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,862
−HK$4,854/mo
▼ 0.25% · 3.875%
HK$92,272
−HK$2,444/mo
Today · 4.125%
HK$94,716
baseline
▲ 0.50% · 4.625%
HK$99,709
+HK$4,993/mo
Deposit HK$1.97M · loan HK$17.71M · min. income ≈ HK$189,432/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$737,994 · Scale 2, in force from 26 Feb 2026)