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$44,855
−HK$2,813/mo
▼ 0.25% · 3.875%
HK$46,250
−HK$1,418/mo
Today · 4.125%
HK$47,668
baseline
▲ 0.50% · 4.625%
HK$50,569
+HK$2,901/mo
Deposit HK$9.84M · loan HK$9.84M · min. income ≈ HK$95,336/mo (50% DSR)
Upfront cash ≈ HK$10.57M (deposit + AVD stamp duty HK$737,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,901
−HK$2,696/mo
▼ 0.25% · 3.875%
HK$51,239
−HK$1,358/mo
Today · 4.125%
HK$52,597
baseline
▲ 0.50% · 4.625%
HK$55,369
+HK$2,772/mo
Deposit HK$9.84M · loan HK$9.84M · min. income ≈ HK$105,194/mo (50% DSR)
Upfront cash ≈ HK$10.57M (deposit + AVD stamp duty HK$737,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,826
−HK$3,376/mo
▼ 0.25% · 3.875%
HK$55,501
−HK$1,701/mo
Today · 4.125%
HK$57,202
baseline
▲ 0.50% · 4.625%
HK$60,682
+HK$3,480/mo
Deposit HK$7.87M · loan HK$11.80M · min. income ≈ HK$114,404/mo (50% DSR)
Upfront cash ≈ HK$8.61M (deposit + AVD stamp duty HK$737,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,881
−HK$3,235/mo
▼ 0.25% · 3.875%
HK$61,487
−HK$1,629/mo
Today · 4.125%
HK$63,116
baseline
▲ 0.50% · 4.625%
HK$66,443
+HK$3,327/mo
Deposit HK$7.87M · loan HK$11.80M · min. income ≈ HK$126,232/mo (50% DSR)
Upfront cash ≈ HK$8.61M (deposit + AVD stamp duty HK$737,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,797
−HK$3,938/mo
▼ 0.25% · 3.875%
HK$64,751
−HK$1,984/mo
Today · 4.125%
HK$66,735
baseline
▲ 0.50% · 4.625%
HK$70,796
+HK$4,061/mo
Deposit HK$5.90M · loan HK$13.77M · min. income ≈ HK$133,470/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$737,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,861
−HK$3,775/mo
▼ 0.25% · 3.875%
HK$71,735
−HK$1,901/mo
Today · 4.125%
HK$73,636
baseline
▲ 0.50% · 4.625%
HK$77,517
+HK$3,881/mo
Deposit HK$5.90M · loan HK$13.77M · min. income ≈ HK$147,272/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$737,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,739
−HK$5,063/mo
▼ 0.25% · 3.875%
HK$83,251
−HK$2,551/mo
Today · 4.125%
HK$85,802
baseline
▲ 0.50% · 4.625%
HK$91,023
+HK$5,221/mo
Deposit HK$1.97M · loan HK$17.70M · min. income ≈ HK$171,604/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$737,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,822
−HK$4,853/mo
▼ 0.25% · 3.875%
HK$92,231
−HK$2,444/mo
Today · 4.125%
HK$94,675
baseline
▲ 0.50% · 4.625%
HK$99,665
+HK$4,990/mo
Deposit HK$1.97M · loan HK$17.70M · min. income ≈ HK$189,350/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$737,667 · Scale 2, in force from 26 Feb 2026)