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$44,834
−HK$2,812/mo
▼ 0.25% · 3.875%
HK$46,229
−HK$1,417/mo
Today · 4.125%
HK$47,646
baseline
▲ 0.50% · 4.625%
HK$50,545
+HK$2,899/mo
Deposit HK$9.83M · loan HK$9.83M · min. income ≈ HK$95,292/mo (50% DSR)
Upfront cash ≈ HK$10.57M (deposit + AVD stamp duty HK$737,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,878
−HK$2,695/mo
▼ 0.25% · 3.875%
HK$51,215
−HK$1,358/mo
Today · 4.125%
HK$52,573
baseline
▲ 0.50% · 4.625%
HK$55,344
+HK$2,771/mo
Deposit HK$9.83M · loan HK$9.83M · min. income ≈ HK$105,146/mo (50% DSR)
Upfront cash ≈ HK$10.57M (deposit + AVD stamp duty HK$737,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,801
−HK$3,374/mo
▼ 0.25% · 3.875%
HK$55,475
−HK$1,700/mo
Today · 4.125%
HK$57,175
baseline
▲ 0.50% · 4.625%
HK$60,654
+HK$3,479/mo
Deposit HK$7.86M · loan HK$11.80M · min. income ≈ HK$114,350/mo (50% DSR)
Upfront cash ≈ HK$8.60M (deposit + AVD stamp duty HK$737,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,853
−HK$3,234/mo
▼ 0.25% · 3.875%
HK$61,459
−HK$1,628/mo
Today · 4.125%
HK$63,087
baseline
▲ 0.50% · 4.625%
HK$66,412
+HK$3,325/mo
Deposit HK$7.86M · loan HK$11.80M · min. income ≈ HK$126,174/mo (50% DSR)
Upfront cash ≈ HK$8.60M (deposit + AVD stamp duty HK$737,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,768
−HK$3,936/mo
▼ 0.25% · 3.875%
HK$64,721
−HK$1,983/mo
Today · 4.125%
HK$66,704
baseline
▲ 0.50% · 4.625%
HK$70,763
+HK$4,059/mo
Deposit HK$5.90M · loan HK$13.76M · min. income ≈ HK$133,408/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$737,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,829
−HK$3,773/mo
▼ 0.25% · 3.875%
HK$71,702
−HK$1,900/mo
Today · 4.125%
HK$73,602
baseline
▲ 0.50% · 4.625%
HK$77,481
+HK$3,879/mo
Deposit HK$5.90M · loan HK$13.76M · min. income ≈ HK$147,204/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$737,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,702
−HK$5,061/mo
▼ 0.25% · 3.875%
HK$83,212
−HK$2,551/mo
Today · 4.125%
HK$85,763
baseline
▲ 0.50% · 4.625%
HK$90,981
+HK$5,218/mo
Deposit HK$1.97M · loan HK$17.70M · min. income ≈ HK$171,526/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$737,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,780
−HK$4,851/mo
▼ 0.25% · 3.875%
HK$92,188
−HK$2,443/mo
Today · 4.125%
HK$94,631
baseline
▲ 0.50% · 4.625%
HK$99,619
+HK$4,988/mo
Deposit HK$1.97M · loan HK$17.70M · min. income ≈ HK$189,262/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$737,325 · Scale 2, in force from 26 Feb 2026)