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$44,913
−HK$2,816/mo
▼ 0.25% · 3.875%
HK$46,310
−HK$1,419/mo
Today · 4.125%
HK$47,729
baseline
▲ 0.50% · 4.625%
HK$50,633
+HK$2,904/mo
Deposit HK$9.85M · loan HK$9.85M · min. income ≈ HK$95,458/mo (50% DSR)
Upfront cash ≈ HK$10.59M (deposit + AVD stamp duty HK$738,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,965
−HK$2,699/mo
▼ 0.25% · 3.875%
HK$51,305
−HK$1,359/mo
Today · 4.125%
HK$52,664
baseline
▲ 0.50% · 4.625%
HK$55,440
+HK$2,776/mo
Deposit HK$9.85M · loan HK$9.85M · min. income ≈ HK$105,328/mo (50% DSR)
Upfront cash ≈ HK$10.59M (deposit + AVD stamp duty HK$738,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,895
−HK$3,380/mo
▼ 0.25% · 3.875%
HK$55,572
−HK$1,703/mo
Today · 4.125%
HK$57,275
baseline
▲ 0.50% · 4.625%
HK$60,760
+HK$3,485/mo
Deposit HK$7.88M · loan HK$11.82M · min. income ≈ HK$114,550/mo (50% DSR)
Upfront cash ≈ HK$8.62M (deposit + AVD stamp duty HK$738,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,958
−HK$3,239/mo
▼ 0.25% · 3.875%
HK$61,566
−HK$1,631/mo
Today · 4.125%
HK$63,197
baseline
▲ 0.50% · 4.625%
HK$66,528
+HK$3,331/mo
Deposit HK$7.88M · loan HK$11.82M · min. income ≈ HK$126,394/mo (50% DSR)
Upfront cash ≈ HK$8.62M (deposit + AVD stamp duty HK$738,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,878
−HK$3,943/mo
▼ 0.25% · 3.875%
HK$64,834
−HK$1,987/mo
Today · 4.125%
HK$66,821
baseline
▲ 0.50% · 4.625%
HK$70,887
+HK$4,066/mo
Deposit HK$5.91M · loan HK$13.79M · min. income ≈ HK$133,642/mo (50% DSR)
Upfront cash ≈ HK$6.65M (deposit + AVD stamp duty HK$738,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,951
−HK$3,779/mo
▼ 0.25% · 3.875%
HK$71,827
−HK$1,903/mo
Today · 4.125%
HK$73,730
baseline
▲ 0.50% · 4.625%
HK$77,617
+HK$3,887/mo
Deposit HK$5.91M · loan HK$13.79M · min. income ≈ HK$147,460/mo (50% DSR)
Upfront cash ≈ HK$6.65M (deposit + AVD stamp duty HK$738,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,843
−HK$5,069/mo
▼ 0.25% · 3.875%
HK$83,358
−HK$2,554/mo
Today · 4.125%
HK$85,912
baseline
▲ 0.50% · 4.625%
HK$91,140
+HK$5,228/mo
Deposit HK$1.97M · loan HK$17.73M · min. income ≈ HK$171,824/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$738,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,937
−HK$4,859/mo
▼ 0.25% · 3.875%
HK$92,349
−HK$2,447/mo
Today · 4.125%
HK$94,796
baseline
▲ 0.50% · 4.625%
HK$99,793
+HK$4,997/mo
Deposit HK$1.97M · loan HK$17.73M · min. income ≈ HK$189,592/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$738,613 · Scale 2, in force from 26 Feb 2026)