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$44,843
−HK$2,813/mo
▼ 0.25% · 3.875%
HK$46,238
−HK$1,418/mo
Today · 4.125%
HK$47,656
baseline
▲ 0.50% · 4.625%
HK$50,555
+HK$2,899/mo
Deposit HK$9.83M · loan HK$9.83M · min. income ≈ HK$95,312/mo (50% DSR)
Upfront cash ≈ HK$10.57M (deposit + AVD stamp duty HK$737,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,888
−HK$2,695/mo
▼ 0.25% · 3.875%
HK$51,226
−HK$1,357/mo
Today · 4.125%
HK$52,583
baseline
▲ 0.50% · 4.625%
HK$55,355
+HK$2,772/mo
Deposit HK$9.83M · loan HK$9.83M · min. income ≈ HK$105,166/mo (50% DSR)
Upfront cash ≈ HK$10.57M (deposit + AVD stamp duty HK$737,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,812
−HK$3,375/mo
▼ 0.25% · 3.875%
HK$55,486
−HK$1,701/mo
Today · 4.125%
HK$57,187
baseline
▲ 0.50% · 4.625%
HK$60,666
+HK$3,479/mo
Deposit HK$7.87M · loan HK$11.80M · min. income ≈ HK$114,374/mo (50% DSR)
Upfront cash ≈ HK$8.60M (deposit + AVD stamp duty HK$737,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,865
−HK$3,235/mo
▼ 0.25% · 3.875%
HK$61,471
−HK$1,629/mo
Today · 4.125%
HK$63,100
baseline
▲ 0.50% · 4.625%
HK$66,426
+HK$3,326/mo
Deposit HK$7.87M · loan HK$11.80M · min. income ≈ HK$126,200/mo (50% DSR)
Upfront cash ≈ HK$8.60M (deposit + AVD stamp duty HK$737,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,781
−HK$3,937/mo
▼ 0.25% · 3.875%
HK$64,734
−HK$1,984/mo
Today · 4.125%
HK$66,718
baseline
▲ 0.50% · 4.625%
HK$70,777
+HK$4,059/mo
Deposit HK$5.90M · loan HK$13.77M · min. income ≈ HK$133,436/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$737,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,843
−HK$3,773/mo
▼ 0.25% · 3.875%
HK$71,716
−HK$1,900/mo
Today · 4.125%
HK$73,616
baseline
▲ 0.50% · 4.625%
HK$77,497
+HK$3,881/mo
Deposit HK$5.90M · loan HK$13.77M · min. income ≈ HK$147,232/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$737,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,718
−HK$5,062/mo
▼ 0.25% · 3.875%
HK$83,229
−HK$2,551/mo
Today · 4.125%
HK$85,780
baseline
▲ 0.50% · 4.625%
HK$90,999
+HK$5,219/mo
Deposit HK$1.97M · loan HK$17.70M · min. income ≈ HK$171,560/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$737,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,798
−HK$4,852/mo
▼ 0.25% · 3.875%
HK$92,207
−HK$2,443/mo
Today · 4.125%
HK$94,650
baseline
▲ 0.50% · 4.625%
HK$99,639
+HK$4,989/mo
Deposit HK$1.97M · loan HK$17.70M · min. income ≈ HK$189,300/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$737,474 · Scale 2, in force from 26 Feb 2026)