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$44,871
−HK$2,814/mo
▼ 0.25% · 3.875%
HK$46,267
−HK$1,418/mo
Today · 4.125%
HK$47,685
baseline
▲ 0.50% · 4.625%
HK$50,586
+HK$2,901/mo
Deposit HK$9.84M · loan HK$9.84M · min. income ≈ HK$95,370/mo (50% DSR)
Upfront cash ≈ HK$10.58M (deposit + AVD stamp duty HK$737,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,918
−HK$2,697/mo
▼ 0.25% · 3.875%
HK$51,257
−HK$1,358/mo
Today · 4.125%
HK$52,615
baseline
▲ 0.50% · 4.625%
HK$55,389
+HK$2,774/mo
Deposit HK$9.84M · loan HK$9.84M · min. income ≈ HK$105,230/mo (50% DSR)
Upfront cash ≈ HK$10.58M (deposit + AVD stamp duty HK$737,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,845
−HK$3,377/mo
▼ 0.25% · 3.875%
HK$55,520
−HK$1,702/mo
Today · 4.125%
HK$57,222
baseline
▲ 0.50% · 4.625%
HK$60,703
+HK$3,481/mo
Deposit HK$7.87M · loan HK$11.81M · min. income ≈ HK$114,444/mo (50% DSR)
Upfront cash ≈ HK$8.61M (deposit + AVD stamp duty HK$737,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,902
−HK$3,236/mo
▼ 0.25% · 3.875%
HK$61,509
−HK$1,629/mo
Today · 4.125%
HK$63,138
baseline
▲ 0.50% · 4.625%
HK$66,467
+HK$3,329/mo
Deposit HK$7.87M · loan HK$11.81M · min. income ≈ HK$126,276/mo (50% DSR)
Upfront cash ≈ HK$8.61M (deposit + AVD stamp duty HK$737,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,819
−HK$3,940/mo
▼ 0.25% · 3.875%
HK$64,773
−HK$1,986/mo
Today · 4.125%
HK$66,759
baseline
▲ 0.50% · 4.625%
HK$70,821
+HK$4,062/mo
Deposit HK$5.90M · loan HK$13.77M · min. income ≈ HK$133,518/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$737,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,886
−HK$3,776/mo
▼ 0.25% · 3.875%
HK$71,760
−HK$1,902/mo
Today · 4.125%
HK$73,662
baseline
▲ 0.50% · 4.625%
HK$77,544
+HK$3,882/mo
Deposit HK$5.90M · loan HK$13.77M · min. income ≈ HK$147,324/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$737,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,768
−HK$5,064/mo
▼ 0.25% · 3.875%
HK$83,280
−HK$2,552/mo
Today · 4.125%
HK$85,832
baseline
▲ 0.50% · 4.625%
HK$91,055
+HK$5,223/mo
Deposit HK$1.97M · loan HK$17.71M · min. income ≈ HK$171,664/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$737,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,853
−HK$4,855/mo
▼ 0.25% · 3.875%
HK$92,263
−HK$2,445/mo
Today · 4.125%
HK$94,708
baseline
▲ 0.50% · 4.625%
HK$99,700
+HK$4,992/mo
Deposit HK$1.97M · loan HK$17.71M · min. income ≈ HK$189,416/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$737,926 · Scale 2, in force from 26 Feb 2026)