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$44,888
−HK$2,815/mo
▼ 0.25% · 3.875%
HK$46,284
−HK$1,419/mo
Today · 4.125%
HK$47,703
baseline
▲ 0.50% · 4.625%
HK$50,605
+HK$2,902/mo
Deposit HK$9.84M · loan HK$9.84M · min. income ≈ HK$95,406/mo (50% DSR)
Upfront cash ≈ HK$10.58M (deposit + AVD stamp duty HK$738,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,937
−HK$2,698/mo
▼ 0.25% · 3.875%
HK$51,276
−HK$1,359/mo
Today · 4.125%
HK$52,635
baseline
▲ 0.50% · 4.625%
HK$55,410
+HK$2,775/mo
Deposit HK$9.84M · loan HK$9.84M · min. income ≈ HK$105,270/mo (50% DSR)
Upfront cash ≈ HK$10.58M (deposit + AVD stamp duty HK$738,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,865
−HK$3,378/mo
▼ 0.25% · 3.875%
HK$55,541
−HK$1,702/mo
Today · 4.125%
HK$57,243
baseline
▲ 0.50% · 4.625%
HK$60,726
+HK$3,483/mo
Deposit HK$7.87M · loan HK$11.81M · min. income ≈ HK$114,486/mo (50% DSR)
Upfront cash ≈ HK$8.61M (deposit + AVD stamp duty HK$738,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,925
−HK$3,237/mo
▼ 0.25% · 3.875%
HK$61,532
−HK$1,630/mo
Today · 4.125%
HK$63,162
baseline
▲ 0.50% · 4.625%
HK$66,492
+HK$3,330/mo
Deposit HK$7.87M · loan HK$11.81M · min. income ≈ HK$126,324/mo (50% DSR)
Upfront cash ≈ HK$8.61M (deposit + AVD stamp duty HK$738,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,843
−HK$3,941/mo
▼ 0.25% · 3.875%
HK$64,798
−HK$1,986/mo
Today · 4.125%
HK$66,784
baseline
▲ 0.50% · 4.625%
HK$70,847
+HK$4,063/mo
Deposit HK$5.91M · loan HK$13.78M · min. income ≈ HK$133,568/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$738,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,912
−HK$3,777/mo
▼ 0.25% · 3.875%
HK$71,787
−HK$1,902/mo
Today · 4.125%
HK$73,689
baseline
▲ 0.50% · 4.625%
HK$77,573
+HK$3,884/mo
Deposit HK$5.91M · loan HK$13.78M · min. income ≈ HK$147,378/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$738,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,798
−HK$5,067/mo
▼ 0.25% · 3.875%
HK$83,311
−HK$2,554/mo
Today · 4.125%
HK$85,865
baseline
▲ 0.50% · 4.625%
HK$91,089
+HK$5,224/mo
Deposit HK$1.97M · loan HK$17.72M · min. income ≈ HK$171,730/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$738,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,887
−HK$4,856/mo
▼ 0.25% · 3.875%
HK$92,298
−HK$2,445/mo
Today · 4.125%
HK$94,743
baseline
▲ 0.50% · 4.625%
HK$99,737
+HK$4,994/mo
Deposit HK$1.97M · loan HK$17.72M · min. income ≈ HK$189,486/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$738,203 · Scale 2, in force from 26 Feb 2026)