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$44,666
−HK$2,801/mo
▼ 0.25% · 3.875%
HK$46,055
−HK$1,412/mo
Today · 4.125%
HK$47,467
baseline
▲ 0.50% · 4.625%
HK$50,355
+HK$2,888/mo
Deposit HK$9.79M · loan HK$9.79M · min. income ≈ HK$94,934/mo (50% DSR)
Upfront cash ≈ HK$10.53M (deposit + AVD stamp duty HK$734,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,690
−HK$2,685/mo
▼ 0.25% · 3.875%
HK$51,023
−HK$1,352/mo
Today · 4.125%
HK$52,375
baseline
▲ 0.50% · 4.625%
HK$55,136
+HK$2,761/mo
Deposit HK$9.79M · loan HK$9.79M · min. income ≈ HK$104,750/mo (50% DSR)
Upfront cash ≈ HK$10.53M (deposit + AVD stamp duty HK$734,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,599
−HK$3,361/mo
▼ 0.25% · 3.875%
HK$55,266
−HK$1,694/mo
Today · 4.125%
HK$56,960
baseline
▲ 0.50% · 4.625%
HK$60,426
+HK$3,466/mo
Deposit HK$7.84M · loan HK$11.75M · min. income ≈ HK$113,920/mo (50% DSR)
Upfront cash ≈ HK$8.57M (deposit + AVD stamp duty HK$734,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,628
−HK$3,222/mo
▼ 0.25% · 3.875%
HK$61,228
−HK$1,622/mo
Today · 4.125%
HK$62,850
baseline
▲ 0.50% · 4.625%
HK$66,163
+HK$3,313/mo
Deposit HK$7.84M · loan HK$11.75M · min. income ≈ HK$125,700/mo (50% DSR)
Upfront cash ≈ HK$8.57M (deposit + AVD stamp duty HK$734,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,532
−HK$3,921/mo
▼ 0.25% · 3.875%
HK$64,477
−HK$1,976/mo
Today · 4.125%
HK$66,453
baseline
▲ 0.50% · 4.625%
HK$70,497
+HK$4,044/mo
Deposit HK$5.88M · loan HK$13.71M · min. income ≈ HK$132,906/mo (50% DSR)
Upfront cash ≈ HK$6.61M (deposit + AVD stamp duty HK$734,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,566
−HK$3,759/mo
▼ 0.25% · 3.875%
HK$71,432
−HK$1,893/mo
Today · 4.125%
HK$73,325
baseline
▲ 0.50% · 4.625%
HK$77,190
+HK$3,865/mo
Deposit HK$5.88M · loan HK$13.71M · min. income ≈ HK$146,650/mo (50% DSR)
Upfront cash ≈ HK$6.61M (deposit + AVD stamp duty HK$734,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,398
−HK$5,042/mo
▼ 0.25% · 3.875%
HK$82,899
−HK$2,541/mo
Today · 4.125%
HK$85,440
baseline
▲ 0.50% · 4.625%
HK$90,639
+HK$5,199/mo
Deposit HK$1.96M · loan HK$17.63M · min. income ≈ HK$170,880/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$734,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,442
−HK$4,833/mo
▼ 0.25% · 3.875%
HK$91,841
−HK$2,434/mo
Today · 4.125%
HK$94,275
baseline
▲ 0.50% · 4.625%
HK$99,244
+HK$4,969/mo
Deposit HK$1.96M · loan HK$17.63M · min. income ≈ HK$188,550/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$734,553 · Scale 2, in force from 26 Feb 2026)