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$44,838
−HK$2,812/mo
▼ 0.25% · 3.875%
HK$46,233
−HK$1,417/mo
Today · 4.125%
HK$47,650
baseline
▲ 0.50% · 4.625%
HK$50,549
+HK$2,899/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$737,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,882
−HK$2,695/mo
▼ 0.25% · 3.875%
HK$51,219
−HK$1,358/mo
Today · 4.125%
HK$52,577
baseline
▲ 0.50% · 4.625%
HK$55,348
+HK$2,771/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$737,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,805
−HK$3,374/mo
▼ 0.25% · 3.875%
HK$55,479
−HK$1,700/mo
Today · 4.125%
HK$57,179
baseline
▲ 0.50% · 4.625%
HK$60,659
+HK$3,480/mo
Deposit HK$7.87M · loan HK$11.80M · min. income ≈ HK$114,358/mo (50% DSR)
Upfront cash ≈ HK$8.60M (deposit + AVD stamp duty HK$737,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,858
−HK$3,234/mo
▼ 0.25% · 3.875%
HK$61,463
−HK$1,629/mo
Today · 4.125%
HK$63,092
baseline
▲ 0.50% · 4.625%
HK$66,418
+HK$3,326/mo
Deposit HK$7.87M · loan HK$11.80M · min. income ≈ HK$126,184/mo (50% DSR)
Upfront cash ≈ HK$8.60M (deposit + AVD stamp duty HK$737,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,773
−HK$3,936/mo
▼ 0.25% · 3.875%
HK$64,726
−HK$1,983/mo
Today · 4.125%
HK$66,709
baseline
▲ 0.50% · 4.625%
HK$70,768
+HK$4,059/mo
Deposit HK$5.90M · loan HK$13.76M · min. income ≈ HK$133,418/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$737,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,834
−HK$3,773/mo
▼ 0.25% · 3.875%
HK$71,707
−HK$1,900/mo
Today · 4.125%
HK$73,607
baseline
▲ 0.50% · 4.625%
HK$77,487
+HK$3,880/mo
Deposit HK$5.90M · loan HK$13.76M · min. income ≈ HK$147,214/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$737,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,708
−HK$5,061/mo
▼ 0.25% · 3.875%
HK$83,219
−HK$2,550/mo
Today · 4.125%
HK$85,769
baseline
▲ 0.50% · 4.625%
HK$90,988
+HK$5,219/mo
Deposit HK$1.97M · loan HK$17.70M · min. income ≈ HK$171,538/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$737,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,787
−HK$4,851/mo
▼ 0.25% · 3.875%
HK$92,195
−HK$2,443/mo
Today · 4.125%
HK$94,638
baseline
▲ 0.50% · 4.625%
HK$99,626
+HK$4,988/mo
Deposit HK$1.97M · loan HK$17.70M · min. income ≈ HK$189,276/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$737,381 · Scale 2, in force from 26 Feb 2026)