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$44,864
−HK$2,813/mo
▼ 0.25% · 3.875%
HK$46,259
−HK$1,418/mo
Today · 4.125%
HK$47,677
baseline
▲ 0.50% · 4.625%
HK$50,578
+HK$2,901/mo
Deposit HK$9.84M · loan HK$9.84M · min. income ≈ HK$95,354/mo (50% DSR)
Upfront cash ≈ HK$10.58M (deposit + AVD stamp duty HK$737,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,911
−HK$2,696/mo
▼ 0.25% · 3.875%
HK$51,249
−HK$1,358/mo
Today · 4.125%
HK$52,607
baseline
▲ 0.50% · 4.625%
HK$55,380
+HK$2,773/mo
Deposit HK$9.84M · loan HK$9.84M · min. income ≈ HK$105,214/mo (50% DSR)
Upfront cash ≈ HK$10.58M (deposit + AVD stamp duty HK$737,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,837
−HK$3,376/mo
▼ 0.25% · 3.875%
HK$55,511
−HK$1,702/mo
Today · 4.125%
HK$57,213
baseline
▲ 0.50% · 4.625%
HK$60,694
+HK$3,481/mo
Deposit HK$7.87M · loan HK$11.80M · min. income ≈ HK$114,426/mo (50% DSR)
Upfront cash ≈ HK$8.61M (deposit + AVD stamp duty HK$737,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,893
−HK$3,235/mo
▼ 0.25% · 3.875%
HK$61,499
−HK$1,629/mo
Today · 4.125%
HK$63,128
baseline
▲ 0.50% · 4.625%
HK$66,456
+HK$3,328/mo
Deposit HK$7.87M · loan HK$11.80M · min. income ≈ HK$126,256/mo (50% DSR)
Upfront cash ≈ HK$8.61M (deposit + AVD stamp duty HK$737,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,809
−HK$3,939/mo
▼ 0.25% · 3.875%
HK$64,763
−HK$1,985/mo
Today · 4.125%
HK$66,748
baseline
▲ 0.50% · 4.625%
HK$70,810
+HK$4,062/mo
Deposit HK$5.90M · loan HK$13.77M · min. income ≈ HK$133,496/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$737,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,875
−HK$3,775/mo
▼ 0.25% · 3.875%
HK$71,749
−HK$1,901/mo
Today · 4.125%
HK$73,650
baseline
▲ 0.50% · 4.625%
HK$77,532
+HK$3,882/mo
Deposit HK$5.90M · loan HK$13.77M · min. income ≈ HK$147,300/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$737,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,755
−HK$5,064/mo
▼ 0.25% · 3.875%
HK$83,267
−HK$2,552/mo
Today · 4.125%
HK$85,819
baseline
▲ 0.50% · 4.625%
HK$91,041
+HK$5,222/mo
Deposit HK$1.97M · loan HK$17.71M · min. income ≈ HK$171,638/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$737,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,839
−HK$4,854/mo
▼ 0.25% · 3.875%
HK$92,248
−HK$2,445/mo
Today · 4.125%
HK$94,693
baseline
▲ 0.50% · 4.625%
HK$99,684
+HK$4,991/mo
Deposit HK$1.97M · loan HK$17.71M · min. income ≈ HK$189,386/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$737,809 · Scale 2, in force from 26 Feb 2026)