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$44,694
−HK$2,803/mo
▼ 0.25% · 3.875%
HK$46,084
−HK$1,413/mo
Today · 4.125%
HK$47,497
baseline
▲ 0.50% · 4.625%
HK$50,387
+HK$2,890/mo
Deposit HK$9.80M · loan HK$9.80M · min. income ≈ HK$94,994/mo (50% DSR)
Upfront cash ≈ HK$10.54M (deposit + AVD stamp duty HK$735,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,722
−HK$2,686/mo
▼ 0.25% · 3.875%
HK$51,055
−HK$1,353/mo
Today · 4.125%
HK$52,408
baseline
▲ 0.50% · 4.625%
HK$55,171
+HK$2,763/mo
Deposit HK$9.80M · loan HK$9.80M · min. income ≈ HK$104,816/mo (50% DSR)
Upfront cash ≈ HK$10.54M (deposit + AVD stamp duty HK$735,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,633
−HK$3,363/mo
▼ 0.25% · 3.875%
HK$55,301
−HK$1,695/mo
Today · 4.125%
HK$56,996
baseline
▲ 0.50% · 4.625%
HK$60,464
+HK$3,468/mo
Deposit HK$7.84M · loan HK$11.76M · min. income ≈ HK$113,992/mo (50% DSR)
Upfront cash ≈ HK$8.58M (deposit + AVD stamp duty HK$735,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,666
−HK$3,224/mo
▼ 0.25% · 3.875%
HK$61,266
−HK$1,624/mo
Today · 4.125%
HK$62,890
baseline
▲ 0.50% · 4.625%
HK$66,205
+HK$3,315/mo
Deposit HK$7.84M · loan HK$11.76M · min. income ≈ HK$125,780/mo (50% DSR)
Upfront cash ≈ HK$8.58M (deposit + AVD stamp duty HK$735,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,572
−HK$3,924/mo
▼ 0.25% · 3.875%
HK$64,518
−HK$1,978/mo
Today · 4.125%
HK$66,496
baseline
▲ 0.50% · 4.625%
HK$70,542
+HK$4,046/mo
Deposit HK$5.88M · loan HK$13.72M · min. income ≈ HK$132,992/mo (50% DSR)
Upfront cash ≈ HK$6.62M (deposit + AVD stamp duty HK$735,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,611
−HK$3,760/mo
▼ 0.25% · 3.875%
HK$71,478
−HK$1,893/mo
Today · 4.125%
HK$73,371
baseline
▲ 0.50% · 4.625%
HK$77,239
+HK$3,868/mo
Deposit HK$5.88M · loan HK$13.72M · min. income ≈ HK$146,742/mo (50% DSR)
Upfront cash ≈ HK$6.62M (deposit + AVD stamp duty HK$735,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,450
−HK$5,044/mo
▼ 0.25% · 3.875%
HK$82,952
−HK$2,542/mo
Today · 4.125%
HK$85,494
baseline
▲ 0.50% · 4.625%
HK$90,697
+HK$5,203/mo
Deposit HK$1.96M · loan HK$17.64M · min. income ≈ HK$170,988/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$735,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,499
−HK$4,836/mo
▼ 0.25% · 3.875%
HK$91,900
−HK$2,435/mo
Today · 4.125%
HK$94,335
baseline
▲ 0.50% · 4.625%
HK$99,307
+HK$4,972/mo
Deposit HK$1.96M · loan HK$17.64M · min. income ≈ HK$188,670/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$735,020 · Scale 2, in force from 26 Feb 2026)