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$44,851
−HK$2,813/mo
▼ 0.25% · 3.875%
HK$46,246
−HK$1,418/mo
Today · 4.125%
HK$47,664
baseline
▲ 0.50% · 4.625%
HK$50,564
+HK$2,900/mo
Deposit HK$9.83M · loan HK$9.83M · min. income ≈ HK$95,328/mo (50% DSR)
Upfront cash ≈ HK$10.57M (deposit + AVD stamp duty HK$737,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,897
−HK$2,695/mo
▼ 0.25% · 3.875%
HK$51,235
−HK$1,357/mo
Today · 4.125%
HK$52,592
baseline
▲ 0.50% · 4.625%
HK$55,364
+HK$2,772/mo
Deposit HK$9.83M · loan HK$9.83M · min. income ≈ HK$105,184/mo (50% DSR)
Upfront cash ≈ HK$10.57M (deposit + AVD stamp duty HK$737,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,821
−HK$3,376/mo
▼ 0.25% · 3.875%
HK$55,496
−HK$1,701/mo
Today · 4.125%
HK$57,197
baseline
▲ 0.50% · 4.625%
HK$60,677
+HK$3,480/mo
Deposit HK$7.87M · loan HK$11.80M · min. income ≈ HK$114,394/mo (50% DSR)
Upfront cash ≈ HK$8.61M (deposit + AVD stamp duty HK$737,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,876
−HK$3,235/mo
▼ 0.25% · 3.875%
HK$61,482
−HK$1,629/mo
Today · 4.125%
HK$63,111
baseline
▲ 0.50% · 4.625%
HK$66,437
+HK$3,326/mo
Deposit HK$7.87M · loan HK$11.80M · min. income ≈ HK$126,222/mo (50% DSR)
Upfront cash ≈ HK$8.61M (deposit + AVD stamp duty HK$737,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,792
−HK$3,937/mo
▼ 0.25% · 3.875%
HK$64,745
−HK$1,984/mo
Today · 4.125%
HK$66,729
baseline
▲ 0.50% · 4.625%
HK$70,790
+HK$4,061/mo
Deposit HK$5.90M · loan HK$13.77M · min. income ≈ HK$133,458/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$737,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,855
−HK$3,774/mo
▼ 0.25% · 3.875%
HK$71,729
−HK$1,900/mo
Today · 4.125%
HK$73,629
baseline
▲ 0.50% · 4.625%
HK$77,510
+HK$3,881/mo
Deposit HK$5.90M · loan HK$13.77M · min. income ≈ HK$147,258/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$737,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,732
−HK$5,063/mo
▼ 0.25% · 3.875%
HK$83,243
−HK$2,552/mo
Today · 4.125%
HK$85,795
baseline
▲ 0.50% · 4.625%
HK$91,015
+HK$5,220/mo
Deposit HK$1.97M · loan HK$17.70M · min. income ≈ HK$171,590/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$737,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,814
−HK$4,852/mo
▼ 0.25% · 3.875%
HK$92,223
−HK$2,443/mo
Today · 4.125%
HK$94,666
baseline
▲ 0.50% · 4.625%
HK$99,656
+HK$4,990/mo
Deposit HK$1.97M · loan HK$17.70M · min. income ≈ HK$189,332/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$737,602 · Scale 2, in force from 26 Feb 2026)