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$44,912
−HK$2,816/mo
▼ 0.25% · 3.875%
HK$46,309
−HK$1,419/mo
Today · 4.125%
HK$47,728
baseline
▲ 0.50% · 4.625%
HK$50,632
+HK$2,904/mo
Deposit HK$9.85M · loan HK$9.85M · min. income ≈ HK$95,456/mo (50% DSR)
Upfront cash ≈ HK$10.59M (deposit + AVD stamp duty HK$738,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,964
−HK$2,699/mo
▼ 0.25% · 3.875%
HK$51,304
−HK$1,359/mo
Today · 4.125%
HK$52,663
baseline
▲ 0.50% · 4.625%
HK$55,439
+HK$2,776/mo
Deposit HK$9.85M · loan HK$9.85M · min. income ≈ HK$105,326/mo (50% DSR)
Upfront cash ≈ HK$10.59M (deposit + AVD stamp duty HK$738,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,894
−HK$3,379/mo
▼ 0.25% · 3.875%
HK$55,570
−HK$1,703/mo
Today · 4.125%
HK$57,273
baseline
▲ 0.50% · 4.625%
HK$60,758
+HK$3,485/mo
Deposit HK$7.88M · loan HK$11.82M · min. income ≈ HK$114,546/mo (50% DSR)
Upfront cash ≈ HK$8.62M (deposit + AVD stamp duty HK$738,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,956
−HK$3,240/mo
▼ 0.25% · 3.875%
HK$61,564
−HK$1,632/mo
Today · 4.125%
HK$63,196
baseline
▲ 0.50% · 4.625%
HK$66,527
+HK$3,331/mo
Deposit HK$7.88M · loan HK$11.82M · min. income ≈ HK$126,392/mo (50% DSR)
Upfront cash ≈ HK$8.62M (deposit + AVD stamp duty HK$738,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,876
−HK$3,943/mo
▼ 0.25% · 3.875%
HK$64,832
−HK$1,987/mo
Today · 4.125%
HK$66,819
baseline
▲ 0.50% · 4.625%
HK$70,885
+HK$4,066/mo
Deposit HK$5.91M · loan HK$13.79M · min. income ≈ HK$133,638/mo (50% DSR)
Upfront cash ≈ HK$6.65M (deposit + AVD stamp duty HK$738,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,949
−HK$3,779/mo
▼ 0.25% · 3.875%
HK$71,825
−HK$1,903/mo
Today · 4.125%
HK$73,728
baseline
▲ 0.50% · 4.625%
HK$77,615
+HK$3,887/mo
Deposit HK$5.91M · loan HK$13.79M · min. income ≈ HK$147,456/mo (50% DSR)
Upfront cash ≈ HK$6.65M (deposit + AVD stamp duty HK$738,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,841
−HK$5,069/mo
▼ 0.25% · 3.875%
HK$83,355
−HK$2,555/mo
Today · 4.125%
HK$85,910
baseline
▲ 0.50% · 4.625%
HK$91,138
+HK$5,228/mo
Deposit HK$1.97M · loan HK$17.73M · min. income ≈ HK$171,820/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$738,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,935
−HK$4,858/mo
▼ 0.25% · 3.875%
HK$92,347
−HK$2,446/mo
Today · 4.125%
HK$94,793
baseline
▲ 0.50% · 4.625%
HK$99,790
+HK$4,997/mo
Deposit HK$1.97M · loan HK$17.73M · min. income ≈ HK$189,586/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$738,594 · Scale 2, in force from 26 Feb 2026)