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$44,917
−HK$2,817/mo
▼ 0.25% · 3.875%
HK$46,315
−HK$1,419/mo
Today · 4.125%
HK$47,734
baseline
▲ 0.50% · 4.625%
HK$50,639
+HK$2,905/mo
Deposit HK$9.85M · loan HK$9.85M · min. income ≈ HK$95,468/mo (50% DSR)
Upfront cash ≈ HK$10.59M (deposit + AVD stamp duty HK$738,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,970
−HK$2,700/mo
▼ 0.25% · 3.875%
HK$51,310
−HK$1,360/mo
Today · 4.125%
HK$52,670
baseline
▲ 0.50% · 4.625%
HK$55,446
+HK$2,776/mo
Deposit HK$9.85M · loan HK$9.85M · min. income ≈ HK$105,340/mo (50% DSR)
Upfront cash ≈ HK$10.59M (deposit + AVD stamp duty HK$738,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,901
−HK$3,380/mo
▼ 0.25% · 3.875%
HK$55,577
−HK$1,704/mo
Today · 4.125%
HK$57,281
baseline
▲ 0.50% · 4.625%
HK$60,766
+HK$3,485/mo
Deposit HK$7.88M · loan HK$11.82M · min. income ≈ HK$114,562/mo (50% DSR)
Upfront cash ≈ HK$8.62M (deposit + AVD stamp duty HK$738,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,964
−HK$3,240/mo
▼ 0.25% · 3.875%
HK$61,572
−HK$1,632/mo
Today · 4.125%
HK$63,204
baseline
▲ 0.50% · 4.625%
HK$66,535
+HK$3,331/mo
Deposit HK$7.88M · loan HK$11.82M · min. income ≈ HK$126,408/mo (50% DSR)
Upfront cash ≈ HK$8.62M (deposit + AVD stamp duty HK$738,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,884
−HK$3,944/mo
▼ 0.25% · 3.875%
HK$64,840
−HK$1,988/mo
Today · 4.125%
HK$66,828
baseline
▲ 0.50% · 4.625%
HK$70,894
+HK$4,066/mo
Deposit HK$5.91M · loan HK$13.79M · min. income ≈ HK$133,656/mo (50% DSR)
Upfront cash ≈ HK$6.65M (deposit + AVD stamp duty HK$738,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,958
−HK$3,780/mo
▼ 0.25% · 3.875%
HK$71,834
−HK$1,904/mo
Today · 4.125%
HK$73,738
baseline
▲ 0.50% · 4.625%
HK$77,625
+HK$3,887/mo
Deposit HK$5.91M · loan HK$13.79M · min. income ≈ HK$147,476/mo (50% DSR)
Upfront cash ≈ HK$6.65M (deposit + AVD stamp duty HK$738,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,851
−HK$5,070/mo
▼ 0.25% · 3.875%
HK$83,366
−HK$2,555/mo
Today · 4.125%
HK$85,921
baseline
▲ 0.50% · 4.625%
HK$91,149
+HK$5,228/mo
Deposit HK$1.97M · loan HK$17.73M · min. income ≈ HK$171,842/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$738,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,946
−HK$4,860/mo
▼ 0.25% · 3.875%
HK$92,359
−HK$2,447/mo
Today · 4.125%
HK$94,806
baseline
▲ 0.50% · 4.625%
HK$99,803
+HK$4,997/mo
Deposit HK$1.97M · loan HK$17.73M · min. income ≈ HK$189,612/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$738,690 · Scale 2, in force from 26 Feb 2026)