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$44,866
−HK$2,813/mo
▼ 0.25% · 3.875%
HK$46,261
−HK$1,418/mo
Today · 4.125%
HK$47,679
baseline
▲ 0.50% · 4.625%
HK$50,580
+HK$2,901/mo
Deposit HK$9.84M · loan HK$9.84M · min. income ≈ HK$95,358/mo (50% DSR)
Upfront cash ≈ HK$10.58M (deposit + AVD stamp duty HK$737,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,913
−HK$2,696/mo
▼ 0.25% · 3.875%
HK$51,251
−HK$1,358/mo
Today · 4.125%
HK$52,609
baseline
▲ 0.50% · 4.625%
HK$55,383
+HK$2,774/mo
Deposit HK$9.84M · loan HK$9.84M · min. income ≈ HK$105,218/mo (50% DSR)
Upfront cash ≈ HK$10.58M (deposit + AVD stamp duty HK$737,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,839
−HK$3,376/mo
▼ 0.25% · 3.875%
HK$55,514
−HK$1,701/mo
Today · 4.125%
HK$57,215
baseline
▲ 0.50% · 4.625%
HK$60,697
+HK$3,482/mo
Deposit HK$7.87M · loan HK$11.81M · min. income ≈ HK$114,430/mo (50% DSR)
Upfront cash ≈ HK$8.61M (deposit + AVD stamp duty HK$737,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,895
−HK$3,236/mo
▼ 0.25% · 3.875%
HK$61,502
−HK$1,629/mo
Today · 4.125%
HK$63,131
baseline
▲ 0.50% · 4.625%
HK$66,459
+HK$3,328/mo
Deposit HK$7.87M · loan HK$11.81M · min. income ≈ HK$126,262/mo (50% DSR)
Upfront cash ≈ HK$8.61M (deposit + AVD stamp duty HK$737,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,812
−HK$3,939/mo
▼ 0.25% · 3.875%
HK$64,766
−HK$1,985/mo
Today · 4.125%
HK$66,751
baseline
▲ 0.50% · 4.625%
HK$70,813
+HK$4,062/mo
Deposit HK$5.90M · loan HK$13.77M · min. income ≈ HK$133,502/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$737,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,878
−HK$3,775/mo
▼ 0.25% · 3.875%
HK$71,752
−HK$1,901/mo
Today · 4.125%
HK$73,653
baseline
▲ 0.50% · 4.625%
HK$77,536
+HK$3,883/mo
Deposit HK$5.90M · loan HK$13.77M · min. income ≈ HK$147,306/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$737,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,758
−HK$5,065/mo
▼ 0.25% · 3.875%
HK$83,270
−HK$2,553/mo
Today · 4.125%
HK$85,823
baseline
▲ 0.50% · 4.625%
HK$91,045
+HK$5,222/mo
Deposit HK$1.97M · loan HK$17.71M · min. income ≈ HK$171,646/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$737,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,843
−HK$4,854/mo
▼ 0.25% · 3.875%
HK$92,253
−HK$2,444/mo
Today · 4.125%
HK$94,697
baseline
▲ 0.50% · 4.625%
HK$99,689
+HK$4,992/mo
Deposit HK$1.97M · loan HK$17.71M · min. income ≈ HK$189,394/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$737,842 · Scale 2, in force from 26 Feb 2026)