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$44,380
−HK$2,783/mo
▼ 0.25% · 3.875%
HK$45,761
−HK$1,402/mo
Today · 4.125%
HK$47,163
baseline
▲ 0.50% · 4.625%
HK$50,033
+HK$2,870/mo
Deposit HK$9.73M · loan HK$9.73M · min. income ≈ HK$94,326/mo (50% DSR)
Upfront cash ≈ HK$10.46M (deposit + AVD stamp duty HK$729,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,373
−HK$2,667/mo
▼ 0.25% · 3.875%
HK$50,697
−HK$1,343/mo
Today · 4.125%
HK$52,040
baseline
▲ 0.50% · 4.625%
HK$54,783
+HK$2,743/mo
Deposit HK$9.73M · loan HK$9.73M · min. income ≈ HK$104,080/mo (50% DSR)
Upfront cash ≈ HK$10.46M (deposit + AVD stamp duty HK$729,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,256
−HK$3,340/mo
▼ 0.25% · 3.875%
HK$54,913
−HK$1,683/mo
Today · 4.125%
HK$56,596
baseline
▲ 0.50% · 4.625%
HK$60,040
+HK$3,444/mo
Deposit HK$7.79M · loan HK$11.68M · min. income ≈ HK$113,192/mo (50% DSR)
Upfront cash ≈ HK$8.51M (deposit + AVD stamp duty HK$729,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,247
−HK$3,201/mo
▼ 0.25% · 3.875%
HK$60,836
−HK$1,612/mo
Today · 4.125%
HK$62,448
baseline
▲ 0.50% · 4.625%
HK$65,740
+HK$3,292/mo
Deposit HK$7.79M · loan HK$11.68M · min. income ≈ HK$124,896/mo (50% DSR)
Upfront cash ≈ HK$8.51M (deposit + AVD stamp duty HK$729,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,132
−HK$3,897/mo
▼ 0.25% · 3.875%
HK$64,065
−HK$1,964/mo
Today · 4.125%
HK$66,029
baseline
▲ 0.50% · 4.625%
HK$70,046
+HK$4,017/mo
Deposit HK$5.84M · loan HK$13.62M · min. income ≈ HK$132,058/mo (50% DSR)
Upfront cash ≈ HK$6.57M (deposit + AVD stamp duty HK$729,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,122
−HK$3,734/mo
▼ 0.25% · 3.875%
HK$70,975
−HK$1,881/mo
Today · 4.125%
HK$72,856
baseline
▲ 0.50% · 4.625%
HK$76,696
+HK$3,840/mo
Deposit HK$5.84M · loan HK$13.62M · min. income ≈ HK$145,712/mo (50% DSR)
Upfront cash ≈ HK$6.57M (deposit + AVD stamp duty HK$729,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,884
−HK$5,010/mo
▼ 0.25% · 3.875%
HK$82,369
−HK$2,525/mo
Today · 4.125%
HK$84,894
baseline
▲ 0.50% · 4.625%
HK$90,059
+HK$5,165/mo
Deposit HK$1.95M · loan HK$17.52M · min. income ≈ HK$169,788/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$729,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,871
−HK$4,801/mo
▼ 0.25% · 3.875%
HK$91,254
−HK$2,418/mo
Today · 4.125%
HK$93,672
baseline
▲ 0.50% · 4.625%
HK$98,610
+HK$4,938/mo
Deposit HK$1.95M · loan HK$17.52M · min. income ≈ HK$187,344/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$729,856 · Scale 2, in force from 26 Feb 2026)