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$44,605
−HK$2,797/mo
▼ 0.25% · 3.875%
HK$45,993
−HK$1,409/mo
Today · 4.125%
HK$47,402
baseline
▲ 0.50% · 4.625%
HK$50,287
+HK$2,885/mo
Deposit HK$9.78M · loan HK$9.78M · min. income ≈ HK$94,804/mo (50% DSR)
Upfront cash ≈ HK$10.51M (deposit + AVD stamp duty HK$733,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,623
−HK$2,681/mo
▼ 0.25% · 3.875%
HK$50,954
−HK$1,350/mo
Today · 4.125%
HK$52,304
baseline
▲ 0.50% · 4.625%
HK$55,061
+HK$2,757/mo
Deposit HK$9.78M · loan HK$9.78M · min. income ≈ HK$104,608/mo (50% DSR)
Upfront cash ≈ HK$10.51M (deposit + AVD stamp duty HK$733,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,526
−HK$3,357/mo
▼ 0.25% · 3.875%
HK$55,191
−HK$1,692/mo
Today · 4.125%
HK$56,883
baseline
▲ 0.50% · 4.625%
HK$60,344
+HK$3,461/mo
Deposit HK$7.82M · loan HK$11.74M · min. income ≈ HK$113,766/mo (50% DSR)
Upfront cash ≈ HK$8.56M (deposit + AVD stamp duty HK$733,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,547
−HK$3,218/mo
▼ 0.25% · 3.875%
HK$61,145
−HK$1,620/mo
Today · 4.125%
HK$62,765
baseline
▲ 0.50% · 4.625%
HK$66,073
+HK$3,308/mo
Deposit HK$7.82M · loan HK$11.74M · min. income ≈ HK$125,530/mo (50% DSR)
Upfront cash ≈ HK$8.56M (deposit + AVD stamp duty HK$733,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,447
−HK$3,916/mo
▼ 0.25% · 3.875%
HK$64,390
−HK$1,973/mo
Today · 4.125%
HK$66,363
baseline
▲ 0.50% · 4.625%
HK$70,401
+HK$4,038/mo
Deposit HK$5.87M · loan HK$13.69M · min. income ≈ HK$132,726/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$733,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,472
−HK$3,753/mo
▼ 0.25% · 3.875%
HK$71,335
−HK$1,890/mo
Today · 4.125%
HK$73,225
baseline
▲ 0.50% · 4.625%
HK$77,085
+HK$3,860/mo
Deposit HK$5.87M · loan HK$13.69M · min. income ≈ HK$146,450/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$733,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,289
−HK$5,035/mo
▼ 0.25% · 3.875%
HK$82,787
−HK$2,537/mo
Today · 4.125%
HK$85,324
baseline
▲ 0.50% · 4.625%
HK$90,516
+HK$5,192/mo
Deposit HK$1.96M · loan HK$17.61M · min. income ≈ HK$170,648/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$733,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,321
−HK$4,826/mo
▼ 0.25% · 3.875%
HK$91,717
−HK$2,430/mo
Today · 4.125%
HK$94,147
baseline
▲ 0.50% · 4.625%
HK$99,110
+HK$4,963/mo
Deposit HK$1.96M · loan HK$17.61M · min. income ≈ HK$188,294/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$733,557 · Scale 2, in force from 26 Feb 2026)