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$44,887
−HK$2,815/mo
▼ 0.25% · 3.875%
HK$46,283
−HK$1,419/mo
Today · 4.125%
HK$47,702
baseline
▲ 0.50% · 4.625%
HK$50,605
+HK$2,903/mo
Deposit HK$9.84M · loan HK$9.84M · min. income ≈ HK$95,404/mo (50% DSR)
Upfront cash ≈ HK$10.58M (deposit + AVD stamp duty HK$738,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,936
−HK$2,698/mo
▼ 0.25% · 3.875%
HK$51,276
−HK$1,358/mo
Today · 4.125%
HK$52,634
baseline
▲ 0.50% · 4.625%
HK$55,409
+HK$2,775/mo
Deposit HK$9.84M · loan HK$9.84M · min. income ≈ HK$105,268/mo (50% DSR)
Upfront cash ≈ HK$10.58M (deposit + AVD stamp duty HK$738,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,865
−HK$3,377/mo
▼ 0.25% · 3.875%
HK$55,540
−HK$1,702/mo
Today · 4.125%
HK$57,242
baseline
▲ 0.50% · 4.625%
HK$60,725
+HK$3,483/mo
Deposit HK$7.87M · loan HK$11.81M · min. income ≈ HK$114,484/mo (50% DSR)
Upfront cash ≈ HK$8.61M (deposit + AVD stamp duty HK$738,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,924
−HK$3,237/mo
▼ 0.25% · 3.875%
HK$61,531
−HK$1,630/mo
Today · 4.125%
HK$63,161
baseline
▲ 0.50% · 4.625%
HK$66,491
+HK$3,330/mo
Deposit HK$7.87M · loan HK$11.81M · min. income ≈ HK$126,322/mo (50% DSR)
Upfront cash ≈ HK$8.61M (deposit + AVD stamp duty HK$738,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,842
−HK$3,941/mo
▼ 0.25% · 3.875%
HK$64,797
−HK$1,986/mo
Today · 4.125%
HK$66,783
baseline
▲ 0.50% · 4.625%
HK$70,846
+HK$4,063/mo
Deposit HK$5.91M · loan HK$13.78M · min. income ≈ HK$133,566/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$738,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,911
−HK$3,777/mo
▼ 0.25% · 3.875%
HK$71,786
−HK$1,902/mo
Today · 4.125%
HK$73,688
baseline
▲ 0.50% · 4.625%
HK$77,572
+HK$3,884/mo
Deposit HK$5.91M · loan HK$13.78M · min. income ≈ HK$147,376/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$738,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,797
−HK$5,067/mo
▼ 0.25% · 3.875%
HK$83,310
−HK$2,554/mo
Today · 4.125%
HK$85,864
baseline
▲ 0.50% · 4.625%
HK$91,088
+HK$5,224/mo
Deposit HK$1.97M · loan HK$17.72M · min. income ≈ HK$171,728/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$738,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,886
−HK$4,856/mo
▼ 0.25% · 3.875%
HK$92,296
−HK$2,446/mo
Today · 4.125%
HK$94,742
baseline
▲ 0.50% · 4.625%
HK$99,736
+HK$4,994/mo
Deposit HK$1.97M · loan HK$17.72M · min. income ≈ HK$189,484/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$738,193 · Scale 2, in force from 26 Feb 2026)