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$2,820/mo
▼ 0.25% · 3.875%
HK$46,379
−HK$1,421/mo
Today · 4.125%
HK$47,800
baseline
▲ 0.50% · 4.625%
HK$50,709
+HK$2,909/mo
Deposit HK$9.86M · loan HK$9.86M · min. income ≈ HK$95,600/mo (50% DSR)
Upfront cash ≈ HK$10.60M (deposit + AVD stamp duty HK$739,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,039
−HK$2,704/mo
▼ 0.25% · 3.875%
HK$51,381
−HK$1,362/mo
Today · 4.125%
HK$52,743
baseline
▲ 0.50% · 4.625%
HK$55,523
+HK$2,780/mo
Deposit HK$9.86M · loan HK$9.86M · min. income ≈ HK$105,486/mo (50% DSR)
Upfront cash ≈ HK$10.60M (deposit + AVD stamp duty HK$739,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,975
−HK$3,385/mo
▼ 0.25% · 3.875%
HK$55,654
−HK$1,706/mo
Today · 4.125%
HK$57,360
baseline
▲ 0.50% · 4.625%
HK$60,850
+HK$3,490/mo
Deposit HK$7.89M · loan HK$11.84M · min. income ≈ HK$114,720/mo (50% DSR)
Upfront cash ≈ HK$8.63M (deposit + AVD stamp duty HK$739,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,047
−HK$3,244/mo
▼ 0.25% · 3.875%
HK$61,658
−HK$1,633/mo
Today · 4.125%
HK$63,291
baseline
▲ 0.50% · 4.625%
HK$66,628
+HK$3,337/mo
Deposit HK$7.89M · loan HK$11.84M · min. income ≈ HK$126,582/mo (50% DSR)
Upfront cash ≈ HK$8.63M (deposit + AVD stamp duty HK$739,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,971
−HK$3,949/mo
▼ 0.25% · 3.875%
HK$64,930
−HK$1,990/mo
Today · 4.125%
HK$66,920
baseline
▲ 0.50% · 4.625%
HK$70,992
+HK$4,072/mo
Deposit HK$5.92M · loan HK$13.81M · min. income ≈ HK$133,840/mo (50% DSR)
Upfront cash ≈ HK$6.66M (deposit + AVD stamp duty HK$739,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,055
−HK$3,785/mo
▼ 0.25% · 3.875%
HK$71,934
−HK$1,906/mo
Today · 4.125%
HK$73,840
baseline
▲ 0.50% · 4.625%
HK$77,732
+HK$3,892/mo
Deposit HK$5.92M · loan HK$13.81M · min. income ≈ HK$147,680/mo (50% DSR)
Upfront cash ≈ HK$6.66M (deposit + AVD stamp duty HK$739,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,963
−HK$5,077/mo
▼ 0.25% · 3.875%
HK$83,482
−HK$2,558/mo
Today · 4.125%
HK$86,040
baseline
▲ 0.50% · 4.625%
HK$91,276
+HK$5,236/mo
Deposit HK$1.97M · loan HK$17.75M · min. income ≈ HK$172,080/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$739,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,071
−HK$4,866/mo
▼ 0.25% · 3.875%
HK$92,486
−HK$2,451/mo
Today · 4.125%
HK$94,937
baseline
▲ 0.50% · 4.625%
HK$99,941
+HK$5,004/mo
Deposit HK$1.97M · loan HK$17.75M · min. income ≈ HK$189,874/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$739,713 · Scale 2, in force from 26 Feb 2026)