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$44,816
−HK$2,810/mo
▼ 0.25% · 3.875%
HK$46,210
−HK$1,416/mo
Today · 4.125%
HK$47,626
baseline
▲ 0.50% · 4.625%
HK$50,524
+HK$2,898/mo
Deposit HK$9.83M · loan HK$9.83M · min. income ≈ HK$95,252/mo (50% DSR)
Upfront cash ≈ HK$10.56M (deposit + AVD stamp duty HK$737,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,857
−HK$2,694/mo
▼ 0.25% · 3.875%
HK$51,194
−HK$1,357/mo
Today · 4.125%
HK$52,551
baseline
▲ 0.50% · 4.625%
HK$55,321
+HK$2,770/mo
Deposit HK$9.83M · loan HK$9.83M · min. income ≈ HK$105,102/mo (50% DSR)
Upfront cash ≈ HK$10.56M (deposit + AVD stamp duty HK$737,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,779
−HK$3,372/mo
▼ 0.25% · 3.875%
HK$55,452
−HK$1,699/mo
Today · 4.125%
HK$57,151
baseline
▲ 0.50% · 4.625%
HK$60,629
+HK$3,478/mo
Deposit HK$7.86M · loan HK$11.79M · min. income ≈ HK$114,302/mo (50% DSR)
Upfront cash ≈ HK$8.60M (deposit + AVD stamp duty HK$737,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,829
−HK$3,232/mo
▼ 0.25% · 3.875%
HK$61,433
−HK$1,628/mo
Today · 4.125%
HK$63,061
baseline
▲ 0.50% · 4.625%
HK$66,385
+HK$3,324/mo
Deposit HK$7.86M · loan HK$11.79M · min. income ≈ HK$126,122/mo (50% DSR)
Upfront cash ≈ HK$8.60M (deposit + AVD stamp duty HK$737,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,742
−HK$3,935/mo
▼ 0.25% · 3.875%
HK$64,694
−HK$1,983/mo
Today · 4.125%
HK$66,677
baseline
▲ 0.50% · 4.625%
HK$70,734
+HK$4,057/mo
Deposit HK$5.90M · loan HK$13.76M · min. income ≈ HK$133,354/mo (50% DSR)
Upfront cash ≈ HK$6.63M (deposit + AVD stamp duty HK$737,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,800
−HK$3,771/mo
▼ 0.25% · 3.875%
HK$71,672
−HK$1,899/mo
Today · 4.125%
HK$73,571
baseline
▲ 0.50% · 4.625%
HK$77,449
+HK$3,878/mo
Deposit HK$5.90M · loan HK$13.76M · min. income ≈ HK$147,142/mo (50% DSR)
Upfront cash ≈ HK$6.63M (deposit + AVD stamp duty HK$737,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,669
−HK$5,058/mo
▼ 0.25% · 3.875%
HK$83,178
−HK$2,549/mo
Today · 4.125%
HK$85,727
baseline
▲ 0.50% · 4.625%
HK$90,943
+HK$5,216/mo
Deposit HK$1.97M · loan HK$17.69M · min. income ≈ HK$171,454/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$737,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,743
−HK$4,848/mo
▼ 0.25% · 3.875%
HK$92,150
−HK$2,441/mo
Today · 4.125%
HK$94,591
baseline
▲ 0.50% · 4.625%
HK$99,578
+HK$4,987/mo
Deposit HK$1.97M · loan HK$17.69M · min. income ≈ HK$189,182/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$737,021 · Scale 2, in force from 26 Feb 2026)