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$44,826
−HK$2,810/mo
▼ 0.25% · 3.875%
HK$46,220
−HK$1,416/mo
Today · 4.125%
HK$47,636
baseline
▲ 0.50% · 4.625%
HK$50,535
+HK$2,899/mo
Deposit HK$9.83M · loan HK$9.83M · min. income ≈ HK$95,272/mo (50% DSR)
Upfront cash ≈ HK$10.57M (deposit + AVD stamp duty HK$737,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,868
−HK$2,694/mo
▼ 0.25% · 3.875%
HK$51,205
−HK$1,357/mo
Today · 4.125%
HK$52,562
baseline
▲ 0.50% · 4.625%
HK$55,333
+HK$2,771/mo
Deposit HK$9.83M · loan HK$9.83M · min. income ≈ HK$105,124/mo (50% DSR)
Upfront cash ≈ HK$10.57M (deposit + AVD stamp duty HK$737,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,791
−HK$3,373/mo
▼ 0.25% · 3.875%
HK$55,464
−HK$1,700/mo
Today · 4.125%
HK$57,164
baseline
▲ 0.50% · 4.625%
HK$60,642
+HK$3,478/mo
Deposit HK$7.86M · loan HK$11.79M · min. income ≈ HK$114,328/mo (50% DSR)
Upfront cash ≈ HK$8.60M (deposit + AVD stamp duty HK$737,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,842
−HK$3,233/mo
▼ 0.25% · 3.875%
HK$61,446
−HK$1,629/mo
Today · 4.125%
HK$63,075
baseline
▲ 0.50% · 4.625%
HK$66,399
+HK$3,324/mo
Deposit HK$7.86M · loan HK$11.79M · min. income ≈ HK$126,150/mo (50% DSR)
Upfront cash ≈ HK$8.60M (deposit + AVD stamp duty HK$737,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,756
−HK$3,935/mo
▼ 0.25% · 3.875%
HK$64,708
−HK$1,983/mo
Today · 4.125%
HK$66,691
baseline
▲ 0.50% · 4.625%
HK$70,749
+HK$4,058/mo
Deposit HK$5.90M · loan HK$13.76M · min. income ≈ HK$133,382/mo (50% DSR)
Upfront cash ≈ HK$6.63M (deposit + AVD stamp duty HK$737,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,815
−HK$3,772/mo
▼ 0.25% · 3.875%
HK$71,688
−HK$1,899/mo
Today · 4.125%
HK$73,587
baseline
▲ 0.50% · 4.625%
HK$77,466
+HK$3,879/mo
Deposit HK$5.90M · loan HK$13.76M · min. income ≈ HK$147,174/mo (50% DSR)
Upfront cash ≈ HK$6.63M (deposit + AVD stamp duty HK$737,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,686
−HK$5,060/mo
▼ 0.25% · 3.875%
HK$83,196
−HK$2,550/mo
Today · 4.125%
HK$85,746
baseline
▲ 0.50% · 4.625%
HK$90,963
+HK$5,217/mo
Deposit HK$1.97M · loan HK$17.69M · min. income ≈ HK$171,492/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$737,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,762
−HK$4,850/mo
▼ 0.25% · 3.875%
HK$92,170
−HK$2,442/mo
Today · 4.125%
HK$94,612
baseline
▲ 0.50% · 4.625%
HK$99,599
+HK$4,987/mo
Deposit HK$1.97M · loan HK$17.69M · min. income ≈ HK$189,224/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$737,179 · Scale 2, in force from 26 Feb 2026)