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$44,920
−HK$2,817/mo
▼ 0.25% · 3.875%
HK$46,317
−HK$1,420/mo
Today · 4.125%
HK$47,737
baseline
▲ 0.50% · 4.625%
HK$50,642
+HK$2,905/mo
Deposit HK$9.85M · loan HK$9.85M · min. income ≈ HK$95,474/mo (50% DSR)
Upfront cash ≈ HK$10.59M (deposit + AVD stamp duty HK$738,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,973
−HK$2,700/mo
▼ 0.25% · 3.875%
HK$51,314
−HK$1,359/mo
Today · 4.125%
HK$52,673
baseline
▲ 0.50% · 4.625%
HK$55,450
+HK$2,777/mo
Deposit HK$9.85M · loan HK$9.85M · min. income ≈ HK$105,346/mo (50% DSR)
Upfront cash ≈ HK$10.59M (deposit + AVD stamp duty HK$738,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,904
−HK$3,381/mo
▼ 0.25% · 3.875%
HK$55,581
−HK$1,704/mo
Today · 4.125%
HK$57,285
baseline
▲ 0.50% · 4.625%
HK$60,770
+HK$3,485/mo
Deposit HK$7.88M · loan HK$11.82M · min. income ≈ HK$114,570/mo (50% DSR)
Upfront cash ≈ HK$8.62M (deposit + AVD stamp duty HK$738,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,968
−HK$3,240/mo
▼ 0.25% · 3.875%
HK$61,576
−HK$1,632/mo
Today · 4.125%
HK$63,208
baseline
▲ 0.50% · 4.625%
HK$66,540
+HK$3,332/mo
Deposit HK$7.88M · loan HK$11.82M · min. income ≈ HK$126,416/mo (50% DSR)
Upfront cash ≈ HK$8.62M (deposit + AVD stamp duty HK$738,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,888
−HK$3,944/mo
▼ 0.25% · 3.875%
HK$64,844
−HK$1,988/mo
Today · 4.125%
HK$66,832
baseline
▲ 0.50% · 4.625%
HK$70,899
+HK$4,067/mo
Deposit HK$5.91M · loan HK$13.79M · min. income ≈ HK$133,664/mo (50% DSR)
Upfront cash ≈ HK$6.65M (deposit + AVD stamp duty HK$738,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,963
−HK$3,779/mo
▼ 0.25% · 3.875%
HK$71,839
−HK$1,903/mo
Today · 4.125%
HK$73,742
baseline
▲ 0.50% · 4.625%
HK$77,630
+HK$3,888/mo
Deposit HK$5.91M · loan HK$13.79M · min. income ≈ HK$147,484/mo (50% DSR)
Upfront cash ≈ HK$6.65M (deposit + AVD stamp duty HK$738,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,856
−HK$5,071/mo
▼ 0.25% · 3.875%
HK$83,371
−HK$2,556/mo
Today · 4.125%
HK$85,927
baseline
▲ 0.50% · 4.625%
HK$91,155
+HK$5,228/mo
Deposit HK$1.97M · loan HK$17.73M · min. income ≈ HK$171,854/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$738,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,952
−HK$4,860/mo
▼ 0.25% · 3.875%
HK$92,364
−HK$2,448/mo
Today · 4.125%
HK$94,812
baseline
▲ 0.50% · 4.625%
HK$99,809
+HK$4,997/mo
Deposit HK$1.97M · loan HK$17.73M · min. income ≈ HK$189,624/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$738,737 · Scale 2, in force from 26 Feb 2026)