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$44,927
−HK$2,818/mo
▼ 0.25% · 3.875%
HK$46,325
−HK$1,420/mo
Today · 4.125%
HK$47,745
baseline
▲ 0.50% · 4.625%
HK$50,650
+HK$2,905/mo
Deposit HK$9.85M · loan HK$9.85M · min. income ≈ HK$95,490/mo (50% DSR)
Upfront cash ≈ HK$10.59M (deposit + AVD stamp duty HK$738,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,981
−HK$2,700/mo
▼ 0.25% · 3.875%
HK$51,322
−HK$1,359/mo
Today · 4.125%
HK$52,681
baseline
▲ 0.50% · 4.625%
HK$55,458
+HK$2,777/mo
Deposit HK$9.85M · loan HK$9.85M · min. income ≈ HK$105,362/mo (50% DSR)
Upfront cash ≈ HK$10.59M (deposit + AVD stamp duty HK$738,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,913
−HK$3,381/mo
▼ 0.25% · 3.875%
HK$55,590
−HK$1,704/mo
Today · 4.125%
HK$57,294
baseline
▲ 0.50% · 4.625%
HK$60,780
+HK$3,486/mo
Deposit HK$7.88M · loan HK$11.82M · min. income ≈ HK$114,588/mo (50% DSR)
Upfront cash ≈ HK$8.62M (deposit + AVD stamp duty HK$738,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,977
−HK$3,241/mo
▼ 0.25% · 3.875%
HK$61,586
−HK$1,632/mo
Today · 4.125%
HK$63,218
baseline
▲ 0.50% · 4.625%
HK$66,550
+HK$3,332/mo
Deposit HK$7.88M · loan HK$11.82M · min. income ≈ HK$126,436/mo (50% DSR)
Upfront cash ≈ HK$8.62M (deposit + AVD stamp duty HK$738,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,898
−HK$3,944/mo
▼ 0.25% · 3.875%
HK$64,855
−HK$1,987/mo
Today · 4.125%
HK$66,842
baseline
▲ 0.50% · 4.625%
HK$70,910
+HK$4,068/mo
Deposit HK$5.91M · loan HK$13.79M · min. income ≈ HK$133,684/mo (50% DSR)
Upfront cash ≈ HK$6.65M (deposit + AVD stamp duty HK$738,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,974
−HK$3,780/mo
▼ 0.25% · 3.875%
HK$71,850
−HK$1,904/mo
Today · 4.125%
HK$73,754
baseline
▲ 0.50% · 4.625%
HK$77,642
+HK$3,888/mo
Deposit HK$5.91M · loan HK$13.79M · min. income ≈ HK$147,508/mo (50% DSR)
Upfront cash ≈ HK$6.65M (deposit + AVD stamp duty HK$738,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,869
−HK$5,071/mo
▼ 0.25% · 3.875%
HK$83,385
−HK$2,555/mo
Today · 4.125%
HK$85,940
baseline
▲ 0.50% · 4.625%
HK$91,170
+HK$5,230/mo
Deposit HK$1.97M · loan HK$17.73M · min. income ≈ HK$171,880/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$738,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,966
−HK$4,861/mo
▼ 0.25% · 3.875%
HK$92,379
−HK$2,448/mo
Today · 4.125%
HK$94,827
baseline
▲ 0.50% · 4.625%
HK$99,825
+HK$4,998/mo
Deposit HK$1.97M · loan HK$17.73M · min. income ≈ HK$189,654/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$738,853 · Scale 2, in force from 26 Feb 2026)