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$44,711
−HK$2,804/mo
▼ 0.25% · 3.875%
HK$46,102
−HK$1,413/mo
Today · 4.125%
HK$47,515
baseline
▲ 0.50% · 4.625%
HK$50,406
+HK$2,891/mo
Deposit HK$9.80M · loan HK$9.80M · min. income ≈ HK$95,030/mo (50% DSR)
Upfront cash ≈ HK$10.54M (deposit + AVD stamp duty HK$735,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,741
−HK$2,687/mo
▼ 0.25% · 3.875%
HK$51,075
−HK$1,353/mo
Today · 4.125%
HK$52,428
baseline
▲ 0.50% · 4.625%
HK$55,192
+HK$2,764/mo
Deposit HK$9.80M · loan HK$9.80M · min. income ≈ HK$104,856/mo (50% DSR)
Upfront cash ≈ HK$10.54M (deposit + AVD stamp duty HK$735,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,654
−HK$3,364/mo
▼ 0.25% · 3.875%
HK$55,323
−HK$1,695/mo
Today · 4.125%
HK$57,018
baseline
▲ 0.50% · 4.625%
HK$60,488
+HK$3,470/mo
Deposit HK$7.84M · loan HK$11.76M · min. income ≈ HK$114,036/mo (50% DSR)
Upfront cash ≈ HK$8.58M (deposit + AVD stamp duty HK$735,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,689
−HK$3,225/mo
▼ 0.25% · 3.875%
HK$61,290
−HK$1,624/mo
Today · 4.125%
HK$62,914
baseline
▲ 0.50% · 4.625%
HK$66,230
+HK$3,316/mo
Deposit HK$7.84M · loan HK$11.76M · min. income ≈ HK$125,828/mo (50% DSR)
Upfront cash ≈ HK$8.58M (deposit + AVD stamp duty HK$735,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,596
−HK$3,925/mo
▼ 0.25% · 3.875%
HK$64,543
−HK$1,978/mo
Today · 4.125%
HK$66,521
baseline
▲ 0.50% · 4.625%
HK$70,569
+HK$4,048/mo
Deposit HK$5.88M · loan HK$13.73M · min. income ≈ HK$133,042/mo (50% DSR)
Upfront cash ≈ HK$6.62M (deposit + AVD stamp duty HK$735,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,638
−HK$3,762/mo
▼ 0.25% · 3.875%
HK$71,505
−HK$1,895/mo
Today · 4.125%
HK$73,400
baseline
▲ 0.50% · 4.625%
HK$77,269
+HK$3,869/mo
Deposit HK$5.88M · loan HK$13.73M · min. income ≈ HK$146,800/mo (50% DSR)
Upfront cash ≈ HK$6.62M (deposit + AVD stamp duty HK$735,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,481
−HK$5,047/mo
▼ 0.25% · 3.875%
HK$82,984
−HK$2,544/mo
Today · 4.125%
HK$85,528
baseline
▲ 0.50% · 4.625%
HK$90,732
+HK$5,204/mo
Deposit HK$1.96M · loan HK$17.65M · min. income ≈ HK$171,056/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$735,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,534
−HK$4,837/mo
▼ 0.25% · 3.875%
HK$91,935
−HK$2,436/mo
Today · 4.125%
HK$94,371
baseline
▲ 0.50% · 4.625%
HK$99,346
+HK$4,975/mo
Deposit HK$1.96M · loan HK$17.65M · min. income ≈ HK$188,742/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$735,304 · Scale 2, in force from 26 Feb 2026)