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$44,861
−HK$2,813/mo
▼ 0.25% · 3.875%
HK$46,257
−HK$1,417/mo
Today · 4.125%
HK$47,674
baseline
▲ 0.50% · 4.625%
HK$50,575
+HK$2,901/mo
Deposit HK$9.84M · loan HK$9.84M · min. income ≈ HK$95,348/mo (50% DSR)
Upfront cash ≈ HK$10.57M (deposit + AVD stamp duty HK$737,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,908
−HK$2,696/mo
▼ 0.25% · 3.875%
HK$51,246
−HK$1,358/mo
Today · 4.125%
HK$52,604
baseline
▲ 0.50% · 4.625%
HK$55,377
+HK$2,773/mo
Deposit HK$9.84M · loan HK$9.84M · min. income ≈ HK$105,208/mo (50% DSR)
Upfront cash ≈ HK$10.57M (deposit + AVD stamp duty HK$737,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,833
−HK$3,376/mo
▼ 0.25% · 3.875%
HK$55,508
−HK$1,701/mo
Today · 4.125%
HK$57,209
baseline
▲ 0.50% · 4.625%
HK$60,690
+HK$3,481/mo
Deposit HK$7.87M · loan HK$11.80M · min. income ≈ HK$114,418/mo (50% DSR)
Upfront cash ≈ HK$8.61M (deposit + AVD stamp duty HK$737,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,889
−HK$3,236/mo
▼ 0.25% · 3.875%
HK$61,495
−HK$1,630/mo
Today · 4.125%
HK$63,125
baseline
▲ 0.50% · 4.625%
HK$66,452
+HK$3,327/mo
Deposit HK$7.87M · loan HK$11.80M · min. income ≈ HK$126,250/mo (50% DSR)
Upfront cash ≈ HK$8.61M (deposit + AVD stamp duty HK$737,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,806
−HK$3,938/mo
▼ 0.25% · 3.875%
HK$64,759
−HK$1,985/mo
Today · 4.125%
HK$66,744
baseline
▲ 0.50% · 4.625%
HK$70,805
+HK$4,061/mo
Deposit HK$5.90M · loan HK$13.77M · min. income ≈ HK$133,488/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$737,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,871
−HK$3,774/mo
▼ 0.25% · 3.875%
HK$71,744
−HK$1,901/mo
Today · 4.125%
HK$73,645
baseline
▲ 0.50% · 4.625%
HK$77,527
+HK$3,882/mo
Deposit HK$5.90M · loan HK$13.77M · min. income ≈ HK$147,290/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$737,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,750
−HK$5,064/mo
▼ 0.25% · 3.875%
HK$83,262
−HK$2,552/mo
Today · 4.125%
HK$85,814
baseline
▲ 0.50% · 4.625%
HK$91,035
+HK$5,221/mo
Deposit HK$1.97M · loan HK$17.71M · min. income ≈ HK$171,628/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$737,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,834
−HK$4,853/mo
▼ 0.25% · 3.875%
HK$92,243
−HK$2,444/mo
Today · 4.125%
HK$94,687
baseline
▲ 0.50% · 4.625%
HK$99,678
+HK$4,991/mo
Deposit HK$1.97M · loan HK$17.71M · min. income ≈ HK$189,374/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$737,765 · Scale 2, in force from 26 Feb 2026)