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$44,858
−HK$2,813/mo
▼ 0.25% · 3.875%
HK$46,254
−HK$1,417/mo
Today · 4.125%
HK$47,671
baseline
▲ 0.50% · 4.625%
HK$50,572
+HK$2,901/mo
Deposit HK$9.84M · loan HK$9.84M · min. income ≈ HK$95,342/mo (50% DSR)
Upfront cash ≈ HK$10.57M (deposit + AVD stamp duty HK$737,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,904
−HK$2,697/mo
▼ 0.25% · 3.875%
HK$51,243
−HK$1,358/mo
Today · 4.125%
HK$52,601
baseline
▲ 0.50% · 4.625%
HK$55,373
+HK$2,772/mo
Deposit HK$9.84M · loan HK$9.84M · min. income ≈ HK$105,202/mo (50% DSR)
Upfront cash ≈ HK$10.57M (deposit + AVD stamp duty HK$737,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,830
−HK$3,376/mo
▼ 0.25% · 3.875%
HK$55,504
−HK$1,702/mo
Today · 4.125%
HK$57,206
baseline
▲ 0.50% · 4.625%
HK$60,686
+HK$3,480/mo
Deposit HK$7.87M · loan HK$11.80M · min. income ≈ HK$114,412/mo (50% DSR)
Upfront cash ≈ HK$8.61M (deposit + AVD stamp duty HK$737,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,885
−HK$3,236/mo
▼ 0.25% · 3.875%
HK$61,491
−HK$1,630/mo
Today · 4.125%
HK$63,121
baseline
▲ 0.50% · 4.625%
HK$66,448
+HK$3,327/mo
Deposit HK$7.87M · loan HK$11.80M · min. income ≈ HK$126,242/mo (50% DSR)
Upfront cash ≈ HK$8.61M (deposit + AVD stamp duty HK$737,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,802
−HK$3,938/mo
▼ 0.25% · 3.875%
HK$64,755
−HK$1,985/mo
Today · 4.125%
HK$66,740
baseline
▲ 0.50% · 4.625%
HK$70,801
+HK$4,061/mo
Deposit HK$5.90M · loan HK$13.77M · min. income ≈ HK$133,480/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$737,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,866
−HK$3,775/mo
▼ 0.25% · 3.875%
HK$71,740
−HK$1,901/mo
Today · 4.125%
HK$73,641
baseline
▲ 0.50% · 4.625%
HK$77,523
+HK$3,882/mo
Deposit HK$5.90M · loan HK$13.77M · min. income ≈ HK$147,282/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$737,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,745
−HK$5,063/mo
▼ 0.25% · 3.875%
HK$83,257
−HK$2,551/mo
Today · 4.125%
HK$85,808
baseline
▲ 0.50% · 4.625%
HK$91,030
+HK$5,222/mo
Deposit HK$1.97M · loan HK$17.71M · min. income ≈ HK$171,616/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$737,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,828
−HK$4,853/mo
▼ 0.25% · 3.875%
HK$92,237
−HK$2,444/mo
Today · 4.125%
HK$94,681
baseline
▲ 0.50% · 4.625%
HK$99,672
+HK$4,991/mo
Deposit HK$1.97M · loan HK$17.71M · min. income ≈ HK$189,362/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$737,719 · Scale 2, in force from 26 Feb 2026)