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$44,900
−HK$2,816/mo
▼ 0.25% · 3.875%
HK$46,297
−HK$1,419/mo
Today · 4.125%
HK$47,716
baseline
▲ 0.50% · 4.625%
HK$50,619
+HK$2,903/mo
Deposit HK$9.85M · loan HK$9.85M · min. income ≈ HK$95,432/mo (50% DSR)
Upfront cash ≈ HK$10.58M (deposit + AVD stamp duty HK$738,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,951
−HK$2,698/mo
▼ 0.25% · 3.875%
HK$51,290
−HK$1,359/mo
Today · 4.125%
HK$52,649
baseline
▲ 0.50% · 4.625%
HK$55,425
+HK$2,776/mo
Deposit HK$9.85M · loan HK$9.85M · min. income ≈ HK$105,298/mo (50% DSR)
Upfront cash ≈ HK$10.58M (deposit + AVD stamp duty HK$738,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,880
−HK$3,379/mo
▼ 0.25% · 3.875%
HK$55,556
−HK$1,703/mo
Today · 4.125%
HK$57,259
baseline
▲ 0.50% · 4.625%
HK$60,743
+HK$3,484/mo
Deposit HK$7.88M · loan HK$11.81M · min. income ≈ HK$114,518/mo (50% DSR)
Upfront cash ≈ HK$8.61M (deposit + AVD stamp duty HK$738,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,941
−HK$3,238/mo
▼ 0.25% · 3.875%
HK$61,548
−HK$1,631/mo
Today · 4.125%
HK$63,179
baseline
▲ 0.50% · 4.625%
HK$66,509
+HK$3,330/mo
Deposit HK$7.88M · loan HK$11.81M · min. income ≈ HK$126,358/mo (50% DSR)
Upfront cash ≈ HK$8.61M (deposit + AVD stamp duty HK$738,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,860
−HK$3,942/mo
▼ 0.25% · 3.875%
HK$64,815
−HK$1,987/mo
Today · 4.125%
HK$66,802
baseline
▲ 0.50% · 4.625%
HK$70,866
+HK$4,064/mo
Deposit HK$5.91M · loan HK$13.78M · min. income ≈ HK$133,604/mo (50% DSR)
Upfront cash ≈ HK$6.65M (deposit + AVD stamp duty HK$738,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,931
−HK$3,778/mo
▼ 0.25% · 3.875%
HK$71,806
−HK$1,903/mo
Today · 4.125%
HK$73,709
baseline
▲ 0.50% · 4.625%
HK$77,594
+HK$3,885/mo
Deposit HK$5.91M · loan HK$13.78M · min. income ≈ HK$147,418/mo (50% DSR)
Upfront cash ≈ HK$6.65M (deposit + AVD stamp duty HK$738,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,820
−HK$5,068/mo
▼ 0.25% · 3.875%
HK$83,334
−HK$2,554/mo
Today · 4.125%
HK$85,888
baseline
▲ 0.50% · 4.625%
HK$91,114
+HK$5,226/mo
Deposit HK$1.97M · loan HK$17.72M · min. income ≈ HK$171,776/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$738,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,911
−HK$4,858/mo
▼ 0.25% · 3.875%
HK$92,323
−HK$2,446/mo
Today · 4.125%
HK$94,769
baseline
▲ 0.50% · 4.625%
HK$99,764
+HK$4,995/mo
Deposit HK$1.97M · loan HK$17.72M · min. income ≈ HK$189,538/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$738,402 · Scale 2, in force from 26 Feb 2026)