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$44,845
−HK$2,812/mo
▼ 0.25% · 3.875%
HK$46,240
−HK$1,417/mo
Today · 4.125%
HK$47,657
baseline
▲ 0.50% · 4.625%
HK$50,557
+HK$2,900/mo
Deposit HK$9.83M · loan HK$9.83M · min. income ≈ HK$95,314/mo (50% DSR)
Upfront cash ≈ HK$10.57M (deposit + AVD stamp duty HK$737,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,890
−HK$2,695/mo
▼ 0.25% · 3.875%
HK$51,228
−HK$1,357/mo
Today · 4.125%
HK$52,585
baseline
▲ 0.50% · 4.625%
HK$55,357
+HK$2,772/mo
Deposit HK$9.83M · loan HK$9.83M · min. income ≈ HK$105,170/mo (50% DSR)
Upfront cash ≈ HK$10.57M (deposit + AVD stamp duty HK$737,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,814
−HK$3,375/mo
▼ 0.25% · 3.875%
HK$55,488
−HK$1,701/mo
Today · 4.125%
HK$57,189
baseline
▲ 0.50% · 4.625%
HK$60,669
+HK$3,480/mo
Deposit HK$7.87M · loan HK$11.80M · min. income ≈ HK$114,378/mo (50% DSR)
Upfront cash ≈ HK$8.60M (deposit + AVD stamp duty HK$737,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,868
−HK$3,234/mo
▼ 0.25% · 3.875%
HK$61,473
−HK$1,629/mo
Today · 4.125%
HK$63,102
baseline
▲ 0.50% · 4.625%
HK$66,428
+HK$3,326/mo
Deposit HK$7.87M · loan HK$11.80M · min. income ≈ HK$126,204/mo (50% DSR)
Upfront cash ≈ HK$8.60M (deposit + AVD stamp duty HK$737,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,783
−HK$3,937/mo
▼ 0.25% · 3.875%
HK$64,736
−HK$1,984/mo
Today · 4.125%
HK$66,720
baseline
▲ 0.50% · 4.625%
HK$70,780
+HK$4,060/mo
Deposit HK$5.90M · loan HK$13.77M · min. income ≈ HK$133,440/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$737,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,846
−HK$3,773/mo
▼ 0.25% · 3.875%
HK$71,719
−HK$1,900/mo
Today · 4.125%
HK$73,619
baseline
▲ 0.50% · 4.625%
HK$77,500
+HK$3,881/mo
Deposit HK$5.90M · loan HK$13.77M · min. income ≈ HK$147,238/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$737,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,721
−HK$5,062/mo
▼ 0.25% · 3.875%
HK$83,232
−HK$2,551/mo
Today · 4.125%
HK$85,783
baseline
▲ 0.50% · 4.625%
HK$91,003
+HK$5,220/mo
Deposit HK$1.97M · loan HK$17.70M · min. income ≈ HK$171,566/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$737,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,802
−HK$4,851/mo
▼ 0.25% · 3.875%
HK$92,210
−HK$2,443/mo
Today · 4.125%
HK$94,653
baseline
▲ 0.50% · 4.625%
HK$99,642
+HK$4,989/mo
Deposit HK$1.97M · loan HK$17.70M · min. income ≈ HK$189,306/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$737,501 · Scale 2, in force from 26 Feb 2026)