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$44,874
−HK$2,814/mo
▼ 0.25% · 3.875%
HK$46,270
−HK$1,418/mo
Today · 4.125%
HK$47,688
baseline
▲ 0.50% · 4.625%
HK$50,590
+HK$2,902/mo
Deposit HK$9.84M · loan HK$9.84M · min. income ≈ HK$95,376/mo (50% DSR)
Upfront cash ≈ HK$10.58M (deposit + AVD stamp duty HK$737,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,922
−HK$2,697/mo
▼ 0.25% · 3.875%
HK$51,261
−HK$1,358/mo
Today · 4.125%
HK$52,619
baseline
▲ 0.50% · 4.625%
HK$55,393
+HK$2,774/mo
Deposit HK$9.84M · loan HK$9.84M · min. income ≈ HK$105,238/mo (50% DSR)
Upfront cash ≈ HK$10.58M (deposit + AVD stamp duty HK$737,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,849
−HK$3,377/mo
▼ 0.25% · 3.875%
HK$55,524
−HK$1,702/mo
Today · 4.125%
HK$57,226
baseline
▲ 0.50% · 4.625%
HK$60,708
+HK$3,482/mo
Deposit HK$7.87M · loan HK$11.81M · min. income ≈ HK$114,452/mo (50% DSR)
Upfront cash ≈ HK$8.61M (deposit + AVD stamp duty HK$737,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,906
−HK$3,237/mo
▼ 0.25% · 3.875%
HK$61,513
−HK$1,630/mo
Today · 4.125%
HK$63,143
baseline
▲ 0.50% · 4.625%
HK$66,471
+HK$3,328/mo
Deposit HK$7.87M · loan HK$11.81M · min. income ≈ HK$126,286/mo (50% DSR)
Upfront cash ≈ HK$8.61M (deposit + AVD stamp duty HK$737,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,824
−HK$3,939/mo
▼ 0.25% · 3.875%
HK$64,778
−HK$1,985/mo
Today · 4.125%
HK$66,763
baseline
▲ 0.50% · 4.625%
HK$70,826
+HK$4,063/mo
Deposit HK$5.90M · loan HK$13.78M · min. income ≈ HK$133,526/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$737,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,891
−HK$3,776/mo
▼ 0.25% · 3.875%
HK$71,765
−HK$1,902/mo
Today · 4.125%
HK$73,667
baseline
▲ 0.50% · 4.625%
HK$77,550
+HK$3,883/mo
Deposit HK$5.90M · loan HK$13.78M · min. income ≈ HK$147,334/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$737,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,773
−HK$5,066/mo
▼ 0.25% · 3.875%
HK$83,286
−HK$2,553/mo
Today · 4.125%
HK$85,839
baseline
▲ 0.50% · 4.625%
HK$91,062
+HK$5,223/mo
Deposit HK$1.97M · loan HK$17.71M · min. income ≈ HK$171,678/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$737,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,860
−HK$4,854/mo
▼ 0.25% · 3.875%
HK$92,270
−HK$2,444/mo
Today · 4.125%
HK$94,714
baseline
▲ 0.50% · 4.625%
HK$99,707
+HK$4,993/mo
Deposit HK$1.97M · loan HK$17.71M · min. income ≈ HK$189,428/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$737,978 · Scale 2, in force from 26 Feb 2026)