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$44,841
−HK$2,812/mo
▼ 0.25% · 3.875%
HK$46,236
−HK$1,417/mo
Today · 4.125%
HK$47,653
baseline
▲ 0.50% · 4.625%
HK$50,552
+HK$2,899/mo
Deposit HK$9.83M · loan HK$9.83M · min. income ≈ HK$95,306/mo (50% DSR)
Upfront cash ≈ HK$10.57M (deposit + AVD stamp duty HK$737,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,885
−HK$2,695/mo
▼ 0.25% · 3.875%
HK$51,223
−HK$1,357/mo
Today · 4.125%
HK$52,580
baseline
▲ 0.50% · 4.625%
HK$55,352
+HK$2,772/mo
Deposit HK$9.83M · loan HK$9.83M · min. income ≈ HK$105,160/mo (50% DSR)
Upfront cash ≈ HK$10.57M (deposit + AVD stamp duty HK$737,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,809
−HK$3,374/mo
▼ 0.25% · 3.875%
HK$55,483
−HK$1,700/mo
Today · 4.125%
HK$57,183
baseline
▲ 0.50% · 4.625%
HK$60,663
+HK$3,480/mo
Deposit HK$7.87M · loan HK$11.80M · min. income ≈ HK$114,366/mo (50% DSR)
Upfront cash ≈ HK$8.60M (deposit + AVD stamp duty HK$737,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,862
−HK$3,234/mo
▼ 0.25% · 3.875%
HK$61,467
−HK$1,629/mo
Today · 4.125%
HK$63,096
baseline
▲ 0.50% · 4.625%
HK$66,422
+HK$3,326/mo
Deposit HK$7.87M · loan HK$11.80M · min. income ≈ HK$126,192/mo (50% DSR)
Upfront cash ≈ HK$8.60M (deposit + AVD stamp duty HK$737,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,777
−HK$3,937/mo
▼ 0.25% · 3.875%
HK$64,730
−HK$1,984/mo
Today · 4.125%
HK$66,714
baseline
▲ 0.50% · 4.625%
HK$70,773
+HK$4,059/mo
Deposit HK$5.90M · loan HK$13.77M · min. income ≈ HK$133,428/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$737,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,839
−HK$3,773/mo
▼ 0.25% · 3.875%
HK$71,712
−HK$1,900/mo
Today · 4.125%
HK$73,612
baseline
▲ 0.50% · 4.625%
HK$77,492
+HK$3,880/mo
Deposit HK$5.90M · loan HK$13.77M · min. income ≈ HK$147,224/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$737,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,713
−HK$5,062/mo
▼ 0.25% · 3.875%
HK$83,224
−HK$2,551/mo
Today · 4.125%
HK$85,775
baseline
▲ 0.50% · 4.625%
HK$90,994
+HK$5,219/mo
Deposit HK$1.97M · loan HK$17.70M · min. income ≈ HK$171,550/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$737,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,793
−HK$4,851/mo
▼ 0.25% · 3.875%
HK$92,201
−HK$2,443/mo
Today · 4.125%
HK$94,644
baseline
▲ 0.50% · 4.625%
HK$99,633
+HK$4,989/mo
Deposit HK$1.97M · loan HK$17.70M · min. income ≈ HK$189,288/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$737,429 · Scale 2, in force from 26 Feb 2026)