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$44,850
−HK$2,813/mo
▼ 0.25% · 3.875%
HK$46,246
−HK$1,417/mo
Today · 4.125%
HK$47,663
baseline
▲ 0.50% · 4.625%
HK$50,563
+HK$2,900/mo
Deposit HK$9.83M · loan HK$9.83M · min. income ≈ HK$95,326/mo (50% DSR)
Upfront cash ≈ HK$10.57M (deposit + AVD stamp duty HK$737,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,896
−HK$2,695/mo
▼ 0.25% · 3.875%
HK$51,234
−HK$1,357/mo
Today · 4.125%
HK$52,591
baseline
▲ 0.50% · 4.625%
HK$55,364
+HK$2,773/mo
Deposit HK$9.83M · loan HK$9.83M · min. income ≈ HK$105,182/mo (50% DSR)
Upfront cash ≈ HK$10.57M (deposit + AVD stamp duty HK$737,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,821
−HK$3,375/mo
▼ 0.25% · 3.875%
HK$55,495
−HK$1,701/mo
Today · 4.125%
HK$57,196
baseline
▲ 0.50% · 4.625%
HK$60,676
+HK$3,480/mo
Deposit HK$7.87M · loan HK$11.80M · min. income ≈ HK$114,392/mo (50% DSR)
Upfront cash ≈ HK$8.61M (deposit + AVD stamp duty HK$737,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,875
−HK$3,235/mo
▼ 0.25% · 3.875%
HK$61,481
−HK$1,629/mo
Today · 4.125%
HK$63,110
baseline
▲ 0.50% · 4.625%
HK$66,436
+HK$3,326/mo
Deposit HK$7.87M · loan HK$11.80M · min. income ≈ HK$126,220/mo (50% DSR)
Upfront cash ≈ HK$8.61M (deposit + AVD stamp duty HK$737,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,791
−HK$3,937/mo
▼ 0.25% · 3.875%
HK$64,744
−HK$1,984/mo
Today · 4.125%
HK$66,728
baseline
▲ 0.50% · 4.625%
HK$70,788
+HK$4,060/mo
Deposit HK$5.90M · loan HK$13.77M · min. income ≈ HK$133,456/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$737,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,854
−HK$3,774/mo
▼ 0.25% · 3.875%
HK$71,727
−HK$1,901/mo
Today · 4.125%
HK$73,628
baseline
▲ 0.50% · 4.625%
HK$77,509
+HK$3,881/mo
Deposit HK$5.90M · loan HK$13.77M · min. income ≈ HK$147,256/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$737,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,731
−HK$5,062/mo
▼ 0.25% · 3.875%
HK$83,242
−HK$2,551/mo
Today · 4.125%
HK$85,793
baseline
▲ 0.50% · 4.625%
HK$91,014
+HK$5,221/mo
Deposit HK$1.97M · loan HK$17.70M · min. income ≈ HK$171,586/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$737,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,812
−HK$4,852/mo
▼ 0.25% · 3.875%
HK$92,221
−HK$2,443/mo
Today · 4.125%
HK$94,664
baseline
▲ 0.50% · 4.625%
HK$99,654
+HK$4,990/mo
Deposit HK$1.97M · loan HK$17.70M · min. income ≈ HK$189,328/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$737,589 · Scale 2, in force from 26 Feb 2026)