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$44,835
−HK$2,812/mo
▼ 0.25% · 3.875%
HK$46,230
−HK$1,417/mo
Today · 4.125%
HK$47,647
baseline
▲ 0.50% · 4.625%
HK$50,546
+HK$2,899/mo
Deposit HK$9.83M · loan HK$9.83M · min. income ≈ HK$95,294/mo (50% DSR)
Upfront cash ≈ HK$10.57M (deposit + AVD stamp duty HK$737,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,878
−HK$2,695/mo
▼ 0.25% · 3.875%
HK$51,216
−HK$1,357/mo
Today · 4.125%
HK$52,573
baseline
▲ 0.50% · 4.625%
HK$55,344
+HK$2,771/mo
Deposit HK$9.83M · loan HK$9.83M · min. income ≈ HK$105,146/mo (50% DSR)
Upfront cash ≈ HK$10.57M (deposit + AVD stamp duty HK$737,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,802
−HK$3,374/mo
▼ 0.25% · 3.875%
HK$55,476
−HK$1,700/mo
Today · 4.125%
HK$57,176
baseline
▲ 0.50% · 4.625%
HK$60,655
+HK$3,479/mo
Deposit HK$7.86M · loan HK$11.80M · min. income ≈ HK$114,352/mo (50% DSR)
Upfront cash ≈ HK$8.60M (deposit + AVD stamp duty HK$737,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,854
−HK$3,234/mo
▼ 0.25% · 3.875%
HK$61,459
−HK$1,629/mo
Today · 4.125%
HK$63,088
baseline
▲ 0.50% · 4.625%
HK$66,413
+HK$3,325/mo
Deposit HK$7.86M · loan HK$11.80M · min. income ≈ HK$126,176/mo (50% DSR)
Upfront cash ≈ HK$8.60M (deposit + AVD stamp duty HK$737,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,769
−HK$3,936/mo
▼ 0.25% · 3.875%
HK$64,721
−HK$1,984/mo
Today · 4.125%
HK$66,705
baseline
▲ 0.50% · 4.625%
HK$70,764
+HK$4,059/mo
Deposit HK$5.90M · loan HK$13.76M · min. income ≈ HK$133,410/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$737,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,830
−HK$3,773/mo
▼ 0.25% · 3.875%
HK$71,703
−HK$1,900/mo
Today · 4.125%
HK$73,603
baseline
▲ 0.50% · 4.625%
HK$77,482
+HK$3,879/mo
Deposit HK$5.90M · loan HK$13.76M · min. income ≈ HK$147,206/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$737,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,703
−HK$5,061/mo
▼ 0.25% · 3.875%
HK$83,213
−HK$2,551/mo
Today · 4.125%
HK$85,764
baseline
▲ 0.50% · 4.625%
HK$90,982
+HK$5,218/mo
Deposit HK$1.97M · loan HK$17.70M · min. income ≈ HK$171,528/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$737,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,781
−HK$4,851/mo
▼ 0.25% · 3.875%
HK$92,189
−HK$2,443/mo
Today · 4.125%
HK$94,632
baseline
▲ 0.50% · 4.625%
HK$99,620
+HK$4,988/mo
Deposit HK$1.97M · loan HK$17.70M · min. income ≈ HK$189,264/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$737,335 · Scale 2, in force from 26 Feb 2026)