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$44,839
−HK$2,811/mo
▼ 0.25% · 3.875%
HK$46,233
−HK$1,417/mo
Today · 4.125%
HK$47,650
baseline
▲ 0.50% · 4.625%
HK$50,550
+HK$2,900/mo
Deposit HK$9.83M · loan HK$9.83M · min. income ≈ HK$95,300/mo (50% DSR)
Upfront cash ≈ HK$10.57M (deposit + AVD stamp duty HK$737,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,882
−HK$2,695/mo
▼ 0.25% · 3.875%
HK$51,220
−HK$1,357/mo
Today · 4.125%
HK$52,577
baseline
▲ 0.50% · 4.625%
HK$55,349
+HK$2,772/mo
Deposit HK$9.83M · loan HK$9.83M · min. income ≈ HK$105,154/mo (50% DSR)
Upfront cash ≈ HK$10.57M (deposit + AVD stamp duty HK$737,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,806
−HK$3,374/mo
▼ 0.25% · 3.875%
HK$55,480
−HK$1,700/mo
Today · 4.125%
HK$57,180
baseline
▲ 0.50% · 4.625%
HK$60,660
+HK$3,480/mo
Deposit HK$7.87M · loan HK$11.80M · min. income ≈ HK$114,360/mo (50% DSR)
Upfront cash ≈ HK$8.60M (deposit + AVD stamp duty HK$737,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,859
−HK$3,234/mo
▼ 0.25% · 3.875%
HK$61,464
−HK$1,629/mo
Today · 4.125%
HK$63,093
baseline
▲ 0.50% · 4.625%
HK$66,419
+HK$3,326/mo
Deposit HK$7.87M · loan HK$11.80M · min. income ≈ HK$126,186/mo (50% DSR)
Upfront cash ≈ HK$8.60M (deposit + AVD stamp duty HK$737,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,774
−HK$3,936/mo
▼ 0.25% · 3.875%
HK$64,727
−HK$1,983/mo
Today · 4.125%
HK$66,710
baseline
▲ 0.50% · 4.625%
HK$70,770
+HK$4,060/mo
Deposit HK$5.90M · loan HK$13.76M · min. income ≈ HK$133,420/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$737,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,835
−HK$3,773/mo
▼ 0.25% · 3.875%
HK$71,708
−HK$1,900/mo
Today · 4.125%
HK$73,608
baseline
▲ 0.50% · 4.625%
HK$77,488
+HK$3,880/mo
Deposit HK$5.90M · loan HK$13.76M · min. income ≈ HK$147,216/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$737,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,709
−HK$5,062/mo
▼ 0.25% · 3.875%
HK$83,220
−HK$2,551/mo
Today · 4.125%
HK$85,771
baseline
▲ 0.50% · 4.625%
HK$90,989
+HK$5,218/mo
Deposit HK$1.97M · loan HK$17.70M · min. income ≈ HK$171,542/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$737,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,788
−HK$4,851/mo
▼ 0.25% · 3.875%
HK$92,196
−HK$2,443/mo
Today · 4.125%
HK$94,639
baseline
▲ 0.50% · 4.625%
HK$99,628
+HK$4,989/mo
Deposit HK$1.97M · loan HK$17.70M · min. income ≈ HK$189,278/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$737,393 · Scale 2, in force from 26 Feb 2026)