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$45,005
−HK$2,822/mo
▼ 0.25% · 3.875%
HK$46,405
−HK$1,422/mo
Today · 4.125%
HK$47,827
baseline
▲ 0.50% · 4.625%
HK$50,737
+HK$2,910/mo
Deposit HK$9.87M · loan HK$9.87M · min. income ≈ HK$95,654/mo (50% DSR)
Upfront cash ≈ HK$10.61M (deposit + AVD stamp duty HK$740,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,068
−HK$2,705/mo
▼ 0.25% · 3.875%
HK$51,410
−HK$1,363/mo
Today · 4.125%
HK$52,773
baseline
▲ 0.50% · 4.625%
HK$55,554
+HK$2,781/mo
Deposit HK$9.87M · loan HK$9.87M · min. income ≈ HK$105,546/mo (50% DSR)
Upfront cash ≈ HK$10.61M (deposit + AVD stamp duty HK$740,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,006
−HK$3,387/mo
▼ 0.25% · 3.875%
HK$55,686
−HK$1,707/mo
Today · 4.125%
HK$57,393
baseline
▲ 0.50% · 4.625%
HK$60,885
+HK$3,492/mo
Deposit HK$7.89M · loan HK$11.84M · min. income ≈ HK$114,786/mo (50% DSR)
Upfront cash ≈ HK$8.63M (deposit + AVD stamp duty HK$740,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,081
−HK$3,246/mo
▼ 0.25% · 3.875%
HK$61,692
−HK$1,635/mo
Today · 4.125%
HK$63,327
baseline
▲ 0.50% · 4.625%
HK$66,665
+HK$3,338/mo
Deposit HK$7.89M · loan HK$11.84M · min. income ≈ HK$126,654/mo (50% DSR)
Upfront cash ≈ HK$8.63M (deposit + AVD stamp duty HK$740,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,007
−HK$3,951/mo
▼ 0.25% · 3.875%
HK$64,967
−HK$1,991/mo
Today · 4.125%
HK$66,958
baseline
▲ 0.50% · 4.625%
HK$71,032
+HK$4,074/mo
Deposit HK$5.92M · loan HK$13.82M · min. income ≈ HK$133,916/mo (50% DSR)
Upfront cash ≈ HK$6.66M (deposit + AVD stamp duty HK$740,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,095
−HK$3,787/mo
▼ 0.25% · 3.875%
HK$71,974
−HK$1,908/mo
Today · 4.125%
HK$73,882
baseline
▲ 0.50% · 4.625%
HK$77,776
+HK$3,894/mo
Deposit HK$5.92M · loan HK$13.82M · min. income ≈ HK$147,764/mo (50% DSR)
Upfront cash ≈ HK$6.66M (deposit + AVD stamp duty HK$740,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,009
−HK$5,080/mo
▼ 0.25% · 3.875%
HK$83,529
−HK$2,560/mo
Today · 4.125%
HK$86,089
baseline
▲ 0.50% · 4.625%
HK$91,327
+HK$5,238/mo
Deposit HK$1.97M · loan HK$17.76M · min. income ≈ HK$172,178/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$740,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,122
−HK$4,869/mo
▼ 0.25% · 3.875%
HK$92,539
−HK$2,452/mo
Today · 4.125%
HK$94,991
baseline
▲ 0.50% · 4.625%
HK$99,998
+HK$5,007/mo
Deposit HK$1.97M · loan HK$17.76M · min. income ≈ HK$189,982/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$740,130 · Scale 2, in force from 26 Feb 2026)