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$44,914
−HK$2,817/mo
▼ 0.25% · 3.875%
HK$46,311
−HK$1,420/mo
Today · 4.125%
HK$47,731
baseline
▲ 0.50% · 4.625%
HK$50,635
+HK$2,904/mo
Deposit HK$9.85M · loan HK$9.85M · min. income ≈ HK$95,462/mo (50% DSR)
Upfront cash ≈ HK$10.59M (deposit + AVD stamp duty HK$738,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,966
−HK$2,700/mo
▼ 0.25% · 3.875%
HK$51,307
−HK$1,359/mo
Today · 4.125%
HK$52,666
baseline
▲ 0.50% · 4.625%
HK$55,442
+HK$2,776/mo
Deposit HK$9.85M · loan HK$9.85M · min. income ≈ HK$105,332/mo (50% DSR)
Upfront cash ≈ HK$10.59M (deposit + AVD stamp duty HK$738,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,897
−HK$3,380/mo
▼ 0.25% · 3.875%
HK$55,573
−HK$1,704/mo
Today · 4.125%
HK$57,277
baseline
▲ 0.50% · 4.625%
HK$60,762
+HK$3,485/mo
Deposit HK$7.88M · loan HK$11.82M · min. income ≈ HK$114,554/mo (50% DSR)
Upfront cash ≈ HK$8.62M (deposit + AVD stamp duty HK$738,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,960
−HK$3,239/mo
▼ 0.25% · 3.875%
HK$61,568
−HK$1,631/mo
Today · 4.125%
HK$63,199
baseline
▲ 0.50% · 4.625%
HK$66,531
+HK$3,332/mo
Deposit HK$7.88M · loan HK$11.82M · min. income ≈ HK$126,398/mo (50% DSR)
Upfront cash ≈ HK$8.62M (deposit + AVD stamp duty HK$738,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,880
−HK$3,943/mo
▼ 0.25% · 3.875%
HK$64,836
−HK$1,987/mo
Today · 4.125%
HK$66,823
baseline
▲ 0.50% · 4.625%
HK$70,889
+HK$4,066/mo
Deposit HK$5.91M · loan HK$13.79M · min. income ≈ HK$133,646/mo (50% DSR)
Upfront cash ≈ HK$6.65M (deposit + AVD stamp duty HK$738,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,953
−HK$3,779/mo
▼ 0.25% · 3.875%
HK$71,829
−HK$1,903/mo
Today · 4.125%
HK$73,732
baseline
▲ 0.50% · 4.625%
HK$77,619
+HK$3,887/mo
Deposit HK$5.91M · loan HK$13.79M · min. income ≈ HK$147,464/mo (50% DSR)
Upfront cash ≈ HK$6.65M (deposit + AVD stamp duty HK$738,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,845
−HK$5,070/mo
▼ 0.25% · 3.875%
HK$83,360
−HK$2,555/mo
Today · 4.125%
HK$85,915
baseline
▲ 0.50% · 4.625%
HK$91,143
+HK$5,228/mo
Deposit HK$1.97M · loan HK$17.73M · min. income ≈ HK$171,830/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$738,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,940
−HK$4,859/mo
▼ 0.25% · 3.875%
HK$92,352
−HK$2,447/mo
Today · 4.125%
HK$94,799
baseline
▲ 0.50% · 4.625%
HK$99,796
+HK$4,997/mo
Deposit HK$1.97M · loan HK$17.73M · min. income ≈ HK$189,598/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$738,636 · Scale 2, in force from 26 Feb 2026)