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$44,942
−HK$2,818/mo
▼ 0.25% · 3.875%
HK$46,340
−HK$1,420/mo
Today · 4.125%
HK$47,760
baseline
▲ 0.50% · 4.625%
HK$50,666
+HK$2,906/mo
Deposit HK$9.85M · loan HK$9.85M · min. income ≈ HK$95,520/mo (50% DSR)
Upfront cash ≈ HK$10.59M (deposit + AVD stamp duty HK$739,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,997
−HK$2,701/mo
▼ 0.25% · 3.875%
HK$51,338
−HK$1,360/mo
Today · 4.125%
HK$52,698
baseline
▲ 0.50% · 4.625%
HK$55,476
+HK$2,778/mo
Deposit HK$9.85M · loan HK$9.85M · min. income ≈ HK$105,396/mo (50% DSR)
Upfront cash ≈ HK$10.59M (deposit + AVD stamp duty HK$739,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,930
−HK$3,382/mo
▼ 0.25% · 3.875%
HK$55,608
−HK$1,704/mo
Today · 4.125%
HK$57,312
baseline
▲ 0.50% · 4.625%
HK$60,799
+HK$3,487/mo
Deposit HK$7.88M · loan HK$11.83M · min. income ≈ HK$114,624/mo (50% DSR)
Upfront cash ≈ HK$8.62M (deposit + AVD stamp duty HK$739,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,997
−HK$3,241/mo
▼ 0.25% · 3.875%
HK$61,606
−HK$1,632/mo
Today · 4.125%
HK$63,238
baseline
▲ 0.50% · 4.625%
HK$66,571
+HK$3,333/mo
Deposit HK$7.88M · loan HK$11.83M · min. income ≈ HK$126,476/mo (50% DSR)
Upfront cash ≈ HK$8.62M (deposit + AVD stamp duty HK$739,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,918
−HK$3,946/mo
▼ 0.25% · 3.875%
HK$64,876
−HK$1,988/mo
Today · 4.125%
HK$66,864
baseline
▲ 0.50% · 4.625%
HK$70,933
+HK$4,069/mo
Deposit HK$5.91M · loan HK$13.80M · min. income ≈ HK$133,728/mo (50% DSR)
Upfront cash ≈ HK$6.65M (deposit + AVD stamp duty HK$739,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,996
−HK$3,782/mo
▼ 0.25% · 3.875%
HK$71,873
−HK$1,905/mo
Today · 4.125%
HK$73,778
baseline
▲ 0.50% · 4.625%
HK$77,667
+HK$3,889/mo
Deposit HK$5.91M · loan HK$13.80M · min. income ≈ HK$147,556/mo (50% DSR)
Upfront cash ≈ HK$6.65M (deposit + AVD stamp duty HK$739,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,895
−HK$5,073/mo
▼ 0.25% · 3.875%
HK$83,411
−HK$2,557/mo
Today · 4.125%
HK$85,968
baseline
▲ 0.50% · 4.625%
HK$91,199
+HK$5,231/mo
Deposit HK$1.97M · loan HK$17.74M · min. income ≈ HK$171,936/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$739,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,995
−HK$4,862/mo
▼ 0.25% · 3.875%
HK$92,409
−HK$2,448/mo
Today · 4.125%
HK$94,857
baseline
▲ 0.50% · 4.625%
HK$99,857
+HK$5,000/mo
Deposit HK$1.97M · loan HK$17.74M · min. income ≈ HK$189,714/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$739,091 · Scale 2, in force from 26 Feb 2026)