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$44,980
−HK$2,821/mo
▼ 0.25% · 3.875%
HK$46,380
−HK$1,421/mo
Today · 4.125%
HK$47,801
baseline
▲ 0.50% · 4.625%
HK$50,710
+HK$2,909/mo
Deposit HK$9.86M · loan HK$9.86M · min. income ≈ HK$95,602/mo (50% DSR)
Upfront cash ≈ HK$10.60M (deposit + AVD stamp duty HK$739,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,040
−HK$2,704/mo
▼ 0.25% · 3.875%
HK$51,382
−HK$1,362/mo
Today · 4.125%
HK$52,744
baseline
▲ 0.50% · 4.625%
HK$55,524
+HK$2,780/mo
Deposit HK$9.86M · loan HK$9.86M · min. income ≈ HK$105,488/mo (50% DSR)
Upfront cash ≈ HK$10.60M (deposit + AVD stamp duty HK$739,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,976
−HK$3,385/mo
▼ 0.25% · 3.875%
HK$55,655
−HK$1,706/mo
Today · 4.125%
HK$57,361
baseline
▲ 0.50% · 4.625%
HK$60,852
+HK$3,491/mo
Deposit HK$7.89M · loan HK$11.84M · min. income ≈ HK$114,722/mo (50% DSR)
Upfront cash ≈ HK$8.63M (deposit + AVD stamp duty HK$739,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,048
−HK$3,244/mo
▼ 0.25% · 3.875%
HK$61,659
−HK$1,633/mo
Today · 4.125%
HK$63,292
baseline
▲ 0.50% · 4.625%
HK$66,629
+HK$3,337/mo
Deposit HK$7.89M · loan HK$11.84M · min. income ≈ HK$126,584/mo (50% DSR)
Upfront cash ≈ HK$8.63M (deposit + AVD stamp duty HK$739,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,973
−HK$3,948/mo
▼ 0.25% · 3.875%
HK$64,931
−HK$1,990/mo
Today · 4.125%
HK$66,921
baseline
▲ 0.50% · 4.625%
HK$70,993
+HK$4,072/mo
Deposit HK$5.92M · loan HK$13.81M · min. income ≈ HK$133,842/mo (50% DSR)
Upfront cash ≈ HK$6.66M (deposit + AVD stamp duty HK$739,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,056
−HK$3,785/mo
▼ 0.25% · 3.875%
HK$71,935
−HK$1,906/mo
Today · 4.125%
HK$73,841
baseline
▲ 0.50% · 4.625%
HK$77,734
+HK$3,893/mo
Deposit HK$5.92M · loan HK$13.81M · min. income ≈ HK$147,682/mo (50% DSR)
Upfront cash ≈ HK$6.66M (deposit + AVD stamp duty HK$739,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,965
−HK$5,077/mo
▼ 0.25% · 3.875%
HK$83,483
−HK$2,559/mo
Today · 4.125%
HK$86,042
baseline
▲ 0.50% · 4.625%
HK$91,277
+HK$5,235/mo
Deposit HK$1.97M · loan HK$17.75M · min. income ≈ HK$172,084/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$739,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,072
−HK$4,867/mo
▼ 0.25% · 3.875%
HK$92,488
−HK$2,451/mo
Today · 4.125%
HK$94,939
baseline
▲ 0.50% · 4.625%
HK$99,943
+HK$5,004/mo
Deposit HK$1.97M · loan HK$17.75M · min. income ≈ HK$189,878/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$739,726 · Scale 2, in force from 26 Feb 2026)