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$44,858
−HK$2,813/mo
▼ 0.25% · 3.875%
HK$46,253
−HK$1,418/mo
Today · 4.125%
HK$47,671
baseline
▲ 0.50% · 4.625%
HK$50,571
+HK$2,900/mo
Deposit HK$9.84M · loan HK$9.84M · min. income ≈ HK$95,342/mo (50% DSR)
Upfront cash ≈ HK$10.57M (deposit + AVD stamp duty HK$737,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,904
−HK$2,696/mo
▼ 0.25% · 3.875%
HK$51,242
−HK$1,358/mo
Today · 4.125%
HK$52,600
baseline
▲ 0.50% · 4.625%
HK$55,373
+HK$2,773/mo
Deposit HK$9.84M · loan HK$9.84M · min. income ≈ HK$105,200/mo (50% DSR)
Upfront cash ≈ HK$10.57M (deposit + AVD stamp duty HK$737,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,829
−HK$3,376/mo
▼ 0.25% · 3.875%
HK$55,504
−HK$1,701/mo
Today · 4.125%
HK$57,205
baseline
▲ 0.50% · 4.625%
HK$60,686
+HK$3,481/mo
Deposit HK$7.87M · loan HK$11.80M · min. income ≈ HK$114,410/mo (50% DSR)
Upfront cash ≈ HK$8.61M (deposit + AVD stamp duty HK$737,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,885
−HK$3,235/mo
▼ 0.25% · 3.875%
HK$61,491
−HK$1,629/mo
Today · 4.125%
HK$63,120
baseline
▲ 0.50% · 4.625%
HK$66,447
+HK$3,327/mo
Deposit HK$7.87M · loan HK$11.80M · min. income ≈ HK$126,240/mo (50% DSR)
Upfront cash ≈ HK$8.61M (deposit + AVD stamp duty HK$737,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,801
−HK$3,938/mo
▼ 0.25% · 3.875%
HK$64,754
−HK$1,985/mo
Today · 4.125%
HK$66,739
baseline
▲ 0.50% · 4.625%
HK$70,800
+HK$4,061/mo
Deposit HK$5.90M · loan HK$13.77M · min. income ≈ HK$133,478/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$737,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,865
−HK$3,775/mo
▼ 0.25% · 3.875%
HK$71,739
−HK$1,901/mo
Today · 4.125%
HK$73,640
baseline
▲ 0.50% · 4.625%
HK$77,522
+HK$3,882/mo
Deposit HK$5.90M · loan HK$13.77M · min. income ≈ HK$147,280/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$737,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,744
−HK$5,063/mo
▼ 0.25% · 3.875%
HK$83,255
−HK$2,552/mo
Today · 4.125%
HK$85,807
baseline
▲ 0.50% · 4.625%
HK$91,028
+HK$5,221/mo
Deposit HK$1.97M · loan HK$17.71M · min. income ≈ HK$171,614/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$737,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,827
−HK$4,853/mo
▼ 0.25% · 3.875%
HK$92,236
−HK$2,444/mo
Today · 4.125%
HK$94,680
baseline
▲ 0.50% · 4.625%
HK$99,671
+HK$4,991/mo
Deposit HK$1.97M · loan HK$17.71M · min. income ≈ HK$189,360/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$737,709 · Scale 2, in force from 26 Feb 2026)