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$44,903
−HK$2,816/mo
▼ 0.25% · 3.875%
HK$46,300
−HK$1,419/mo
Today · 4.125%
HK$47,719
baseline
▲ 0.50% · 4.625%
HK$50,623
+HK$2,904/mo
Deposit HK$9.85M · loan HK$9.85M · min. income ≈ HK$95,438/mo (50% DSR)
Upfront cash ≈ HK$10.58M (deposit + AVD stamp duty HK$738,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,955
−HK$2,699/mo
▼ 0.25% · 3.875%
HK$51,294
−HK$1,360/mo
Today · 4.125%
HK$52,654
baseline
▲ 0.50% · 4.625%
HK$55,429
+HK$2,775/mo
Deposit HK$9.85M · loan HK$9.85M · min. income ≈ HK$105,308/mo (50% DSR)
Upfront cash ≈ HK$10.58M (deposit + AVD stamp duty HK$738,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,884
−HK$3,379/mo
▼ 0.25% · 3.875%
HK$55,560
−HK$1,703/mo
Today · 4.125%
HK$57,263
baseline
▲ 0.50% · 4.625%
HK$60,747
+HK$3,484/mo
Deposit HK$7.88M · loan HK$11.82M · min. income ≈ HK$114,526/mo (50% DSR)
Upfront cash ≈ HK$8.62M (deposit + AVD stamp duty HK$738,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,946
−HK$3,238/mo
▼ 0.25% · 3.875%
HK$61,553
−HK$1,631/mo
Today · 4.125%
HK$63,184
baseline
▲ 0.50% · 4.625%
HK$66,515
+HK$3,331/mo
Deposit HK$7.88M · loan HK$11.82M · min. income ≈ HK$126,368/mo (50% DSR)
Upfront cash ≈ HK$8.62M (deposit + AVD stamp duty HK$738,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,865
−HK$3,942/mo
▼ 0.25% · 3.875%
HK$64,820
−HK$1,987/mo
Today · 4.125%
HK$66,807
baseline
▲ 0.50% · 4.625%
HK$70,872
+HK$4,065/mo
Deposit HK$5.91M · loan HK$13.78M · min. income ≈ HK$133,614/mo (50% DSR)
Upfront cash ≈ HK$6.65M (deposit + AVD stamp duty HK$738,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,936
−HK$3,779/mo
▼ 0.25% · 3.875%
HK$71,812
−HK$1,903/mo
Today · 4.125%
HK$73,715
baseline
▲ 0.50% · 4.625%
HK$77,601
+HK$3,886/mo
Deposit HK$5.91M · loan HK$13.78M · min. income ≈ HK$147,430/mo (50% DSR)
Upfront cash ≈ HK$6.65M (deposit + AVD stamp duty HK$738,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,826
−HK$5,069/mo
▼ 0.25% · 3.875%
HK$83,340
−HK$2,555/mo
Today · 4.125%
HK$85,895
baseline
▲ 0.50% · 4.625%
HK$91,121
+HK$5,226/mo
Deposit HK$1.97M · loan HK$17.72M · min. income ≈ HK$171,790/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$738,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,918
−HK$4,858/mo
▼ 0.25% · 3.875%
HK$92,330
−HK$2,446/mo
Today · 4.125%
HK$94,776
baseline
▲ 0.50% · 4.625%
HK$99,772
+HK$4,996/mo
Deposit HK$1.97M · loan HK$17.72M · min. income ≈ HK$189,552/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$738,461 · Scale 2, in force from 26 Feb 2026)