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$44,828
−HK$2,811/mo
▼ 0.25% · 3.875%
HK$46,222
−HK$1,417/mo
Today · 4.125%
HK$47,639
baseline
▲ 0.50% · 4.625%
HK$50,538
+HK$2,899/mo
Deposit HK$9.83M · loan HK$9.83M · min. income ≈ HK$95,278/mo (50% DSR)
Upfront cash ≈ HK$10.57M (deposit + AVD stamp duty HK$737,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,870
−HK$2,695/mo
▼ 0.25% · 3.875%
HK$51,208
−HK$1,357/mo
Today · 4.125%
HK$52,565
baseline
▲ 0.50% · 4.625%
HK$55,335
+HK$2,770/mo
Deposit HK$9.83M · loan HK$9.83M · min. income ≈ HK$105,130/mo (50% DSR)
Upfront cash ≈ HK$10.57M (deposit + AVD stamp duty HK$737,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,793
−HK$3,374/mo
▼ 0.25% · 3.875%
HK$55,467
−HK$1,700/mo
Today · 4.125%
HK$57,167
baseline
▲ 0.50% · 4.625%
HK$60,645
+HK$3,478/mo
Deposit HK$7.86M · loan HK$11.80M · min. income ≈ HK$114,334/mo (50% DSR)
Upfront cash ≈ HK$8.60M (deposit + AVD stamp duty HK$737,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,844
−HK$3,234/mo
▼ 0.25% · 3.875%
HK$61,449
−HK$1,629/mo
Today · 4.125%
HK$63,078
baseline
▲ 0.50% · 4.625%
HK$66,403
+HK$3,325/mo
Deposit HK$7.86M · loan HK$11.80M · min. income ≈ HK$126,156/mo (50% DSR)
Upfront cash ≈ HK$8.60M (deposit + AVD stamp duty HK$737,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,759
−HK$3,935/mo
▼ 0.25% · 3.875%
HK$64,711
−HK$1,983/mo
Today · 4.125%
HK$66,694
baseline
▲ 0.50% · 4.625%
HK$70,753
+HK$4,059/mo
Deposit HK$5.90M · loan HK$13.76M · min. income ≈ HK$133,388/mo (50% DSR)
Upfront cash ≈ HK$6.63M (deposit + AVD stamp duty HK$737,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,819
−HK$3,772/mo
▼ 0.25% · 3.875%
HK$71,691
−HK$1,900/mo
Today · 4.125%
HK$73,591
baseline
▲ 0.50% · 4.625%
HK$77,470
+HK$3,879/mo
Deposit HK$5.90M · loan HK$13.76M · min. income ≈ HK$147,182/mo (50% DSR)
Upfront cash ≈ HK$6.63M (deposit + AVD stamp duty HK$737,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,690
−HK$5,060/mo
▼ 0.25% · 3.875%
HK$83,200
−HK$2,550/mo
Today · 4.125%
HK$85,750
baseline
▲ 0.50% · 4.625%
HK$90,968
+HK$5,218/mo
Deposit HK$1.97M · loan HK$17.69M · min. income ≈ HK$171,500/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$737,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,767
−HK$4,850/mo
▼ 0.25% · 3.875%
HK$92,174
−HK$2,443/mo
Today · 4.125%
HK$94,617
baseline
▲ 0.50% · 4.625%
HK$99,604
+HK$4,987/mo
Deposit HK$1.97M · loan HK$17.69M · min. income ≈ HK$189,234/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$737,215 · Scale 2, in force from 26 Feb 2026)