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$44,908
−HK$2,816/mo
▼ 0.25% · 3.875%
HK$46,305
−HK$1,419/mo
Today · 4.125%
HK$47,724
baseline
▲ 0.50% · 4.625%
HK$50,628
+HK$2,904/mo
Deposit HK$9.85M · loan HK$9.85M · min. income ≈ HK$95,448/mo (50% DSR)
Upfront cash ≈ HK$10.59M (deposit + AVD stamp duty HK$738,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,960
−HK$2,699/mo
▼ 0.25% · 3.875%
HK$51,300
−HK$1,359/mo
Today · 4.125%
HK$52,659
baseline
▲ 0.50% · 4.625%
HK$55,435
+HK$2,776/mo
Deposit HK$9.85M · loan HK$9.85M · min. income ≈ HK$105,318/mo (50% DSR)
Upfront cash ≈ HK$10.59M (deposit + AVD stamp duty HK$738,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,890
−HK$3,379/mo
▼ 0.25% · 3.875%
HK$55,566
−HK$1,703/mo
Today · 4.125%
HK$57,269
baseline
▲ 0.50% · 4.625%
HK$60,754
+HK$3,485/mo
Deposit HK$7.88M · loan HK$11.82M · min. income ≈ HK$114,538/mo (50% DSR)
Upfront cash ≈ HK$8.62M (deposit + AVD stamp duty HK$738,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,952
−HK$3,239/mo
▼ 0.25% · 3.875%
HK$61,560
−HK$1,631/mo
Today · 4.125%
HK$63,191
baseline
▲ 0.50% · 4.625%
HK$66,522
+HK$3,331/mo
Deposit HK$7.88M · loan HK$11.82M · min. income ≈ HK$126,382/mo (50% DSR)
Upfront cash ≈ HK$8.62M (deposit + AVD stamp duty HK$738,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,871
−HK$3,943/mo
▼ 0.25% · 3.875%
HK$64,827
−HK$1,987/mo
Today · 4.125%
HK$66,814
baseline
▲ 0.50% · 4.625%
HK$70,879
+HK$4,065/mo
Deposit HK$5.91M · loan HK$13.79M · min. income ≈ HK$133,628/mo (50% DSR)
Upfront cash ≈ HK$6.65M (deposit + AVD stamp duty HK$738,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,944
−HK$3,779/mo
▼ 0.25% · 3.875%
HK$71,820
−HK$1,903/mo
Today · 4.125%
HK$73,723
baseline
▲ 0.50% · 4.625%
HK$77,609
+HK$3,886/mo
Deposit HK$5.91M · loan HK$13.79M · min. income ≈ HK$147,446/mo (50% DSR)
Upfront cash ≈ HK$6.65M (deposit + AVD stamp duty HK$738,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,835
−HK$5,069/mo
▼ 0.25% · 3.875%
HK$83,349
−HK$2,555/mo
Today · 4.125%
HK$85,904
baseline
▲ 0.50% · 4.625%
HK$91,131
+HK$5,227/mo
Deposit HK$1.97M · loan HK$17.72M · min. income ≈ HK$171,808/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$738,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,928
−HK$4,858/mo
▼ 0.25% · 3.875%
HK$92,339
−HK$2,447/mo
Today · 4.125%
HK$94,786
baseline
▲ 0.50% · 4.625%
HK$99,782
+HK$4,996/mo
Deposit HK$1.97M · loan HK$17.72M · min. income ≈ HK$189,572/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$738,537 · Scale 2, in force from 26 Feb 2026)