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$44,870
−HK$2,814/mo
▼ 0.25% · 3.875%
HK$46,266
−HK$1,418/mo
Today · 4.125%
HK$47,684
baseline
▲ 0.50% · 4.625%
HK$50,586
+HK$2,902/mo
Deposit HK$9.84M · loan HK$9.84M · min. income ≈ HK$95,368/mo (50% DSR)
Upfront cash ≈ HK$10.58M (deposit + AVD stamp duty HK$737,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,918
−HK$2,697/mo
▼ 0.25% · 3.875%
HK$51,257
−HK$1,358/mo
Today · 4.125%
HK$52,615
baseline
▲ 0.50% · 4.625%
HK$55,388
+HK$2,773/mo
Deposit HK$9.84M · loan HK$9.84M · min. income ≈ HK$105,230/mo (50% DSR)
Upfront cash ≈ HK$10.58M (deposit + AVD stamp duty HK$737,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,845
−HK$3,376/mo
▼ 0.25% · 3.875%
HK$55,519
−HK$1,702/mo
Today · 4.125%
HK$57,221
baseline
▲ 0.50% · 4.625%
HK$60,703
+HK$3,482/mo
Deposit HK$7.87M · loan HK$11.81M · min. income ≈ HK$114,442/mo (50% DSR)
Upfront cash ≈ HK$8.61M (deposit + AVD stamp duty HK$737,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,901
−HK$3,237/mo
▼ 0.25% · 3.875%
HK$61,508
−HK$1,630/mo
Today · 4.125%
HK$63,138
baseline
▲ 0.50% · 4.625%
HK$66,466
+HK$3,328/mo
Deposit HK$7.87M · loan HK$11.81M · min. income ≈ HK$126,276/mo (50% DSR)
Upfront cash ≈ HK$8.61M (deposit + AVD stamp duty HK$737,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,819
−HK$3,939/mo
▼ 0.25% · 3.875%
HK$64,773
−HK$1,985/mo
Today · 4.125%
HK$66,758
baseline
▲ 0.50% · 4.625%
HK$70,820
+HK$4,062/mo
Deposit HK$5.90M · loan HK$13.77M · min. income ≈ HK$133,516/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$737,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,885
−HK$3,776/mo
▼ 0.25% · 3.875%
HK$71,759
−HK$1,902/mo
Today · 4.125%
HK$73,661
baseline
▲ 0.50% · 4.625%
HK$77,543
+HK$3,882/mo
Deposit HK$5.90M · loan HK$13.77M · min. income ≈ HK$147,322/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$737,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,767
−HK$5,065/mo
▼ 0.25% · 3.875%
HK$83,279
−HK$2,553/mo
Today · 4.125%
HK$85,832
baseline
▲ 0.50% · 4.625%
HK$91,054
+HK$5,222/mo
Deposit HK$1.97M · loan HK$17.71M · min. income ≈ HK$171,664/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$737,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,852
−HK$4,855/mo
▼ 0.25% · 3.875%
HK$92,262
−HK$2,445/mo
Today · 4.125%
HK$94,707
baseline
▲ 0.50% · 4.625%
HK$99,699
+HK$4,992/mo
Deposit HK$1.97M · loan HK$17.71M · min. income ≈ HK$189,414/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$737,918 · Scale 2, in force from 26 Feb 2026)