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$44,888
−HK$2,815/mo
▼ 0.25% · 3.875%
HK$46,285
−HK$1,418/mo
Today · 4.125%
HK$47,703
baseline
▲ 0.50% · 4.625%
HK$50,606
+HK$2,903/mo
Deposit HK$9.84M · loan HK$9.84M · min. income ≈ HK$95,406/mo (50% DSR)
Upfront cash ≈ HK$10.58M (deposit + AVD stamp duty HK$738,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,938
−HK$2,698/mo
▼ 0.25% · 3.875%
HK$51,277
−HK$1,359/mo
Today · 4.125%
HK$52,636
baseline
▲ 0.50% · 4.625%
HK$55,410
+HK$2,774/mo
Deposit HK$9.84M · loan HK$9.84M · min. income ≈ HK$105,272/mo (50% DSR)
Upfront cash ≈ HK$10.58M (deposit + AVD stamp duty HK$738,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,866
−HK$3,378/mo
▼ 0.25% · 3.875%
HK$55,542
−HK$1,702/mo
Today · 4.125%
HK$57,244
baseline
▲ 0.50% · 4.625%
HK$60,727
+HK$3,483/mo
Deposit HK$7.87M · loan HK$11.81M · min. income ≈ HK$114,488/mo (50% DSR)
Upfront cash ≈ HK$8.61M (deposit + AVD stamp duty HK$738,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,926
−HK$3,237/mo
▼ 0.25% · 3.875%
HK$61,533
−HK$1,630/mo
Today · 4.125%
HK$63,163
baseline
▲ 0.50% · 4.625%
HK$66,493
+HK$3,330/mo
Deposit HK$7.87M · loan HK$11.81M · min. income ≈ HK$126,326/mo (50% DSR)
Upfront cash ≈ HK$8.61M (deposit + AVD stamp duty HK$738,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,844
−HK$3,941/mo
▼ 0.25% · 3.875%
HK$64,799
−HK$1,986/mo
Today · 4.125%
HK$66,785
baseline
▲ 0.50% · 4.625%
HK$70,848
+HK$4,063/mo
Deposit HK$5.91M · loan HK$13.78M · min. income ≈ HK$133,570/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$738,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,913
−HK$3,777/mo
▼ 0.25% · 3.875%
HK$71,788
−HK$1,902/mo
Today · 4.125%
HK$73,690
baseline
▲ 0.50% · 4.625%
HK$77,575
+HK$3,885/mo
Deposit HK$5.91M · loan HK$13.78M · min. income ≈ HK$147,380/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$738,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,799
−HK$5,067/mo
▼ 0.25% · 3.875%
HK$83,313
−HK$2,553/mo
Today · 4.125%
HK$85,866
baseline
▲ 0.50% · 4.625%
HK$91,091
+HK$5,225/mo
Deposit HK$1.97M · loan HK$17.72M · min. income ≈ HK$171,732/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$738,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,888
−HK$4,857/mo
▼ 0.25% · 3.875%
HK$92,299
−HK$2,446/mo
Today · 4.125%
HK$94,745
baseline
▲ 0.50% · 4.625%
HK$99,739
+HK$4,994/mo
Deposit HK$1.97M · loan HK$17.72M · min. income ≈ HK$189,490/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$738,215 · Scale 2, in force from 26 Feb 2026)