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$44,961
−HK$2,819/mo
▼ 0.25% · 3.875%
HK$46,359
−HK$1,421/mo
Today · 4.125%
HK$47,780
baseline
▲ 0.50% · 4.625%
HK$50,687
+HK$2,907/mo
Deposit HK$9.86M · loan HK$9.86M · min. income ≈ HK$95,560/mo (50% DSR)
Upfront cash ≈ HK$10.60M (deposit + AVD stamp duty HK$739,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,018
−HK$2,703/mo
▼ 0.25% · 3.875%
HK$51,360
−HK$1,361/mo
Today · 4.125%
HK$52,721
baseline
▲ 0.50% · 4.625%
HK$55,500
+HK$2,779/mo
Deposit HK$9.86M · loan HK$9.86M · min. income ≈ HK$105,442/mo (50% DSR)
Upfront cash ≈ HK$10.60M (deposit + AVD stamp duty HK$739,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,953
−HK$3,383/mo
▼ 0.25% · 3.875%
HK$55,631
−HK$1,705/mo
Today · 4.125%
HK$57,336
baseline
▲ 0.50% · 4.625%
HK$60,825
+HK$3,489/mo
Deposit HK$7.89M · loan HK$11.83M · min. income ≈ HK$114,672/mo (50% DSR)
Upfront cash ≈ HK$8.63M (deposit + AVD stamp duty HK$739,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,022
−HK$3,243/mo
▼ 0.25% · 3.875%
HK$61,632
−HK$1,633/mo
Today · 4.125%
HK$63,265
baseline
▲ 0.50% · 4.625%
HK$66,599
+HK$3,334/mo
Deposit HK$7.89M · loan HK$11.83M · min. income ≈ HK$126,530/mo (50% DSR)
Upfront cash ≈ HK$8.63M (deposit + AVD stamp duty HK$739,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,945
−HK$3,947/mo
▼ 0.25% · 3.875%
HK$64,903
−HK$1,989/mo
Today · 4.125%
HK$66,892
baseline
▲ 0.50% · 4.625%
HK$70,962
+HK$4,070/mo
Deposit HK$5.92M · loan HK$13.80M · min. income ≈ HK$133,784/mo (50% DSR)
Upfront cash ≈ HK$6.65M (deposit + AVD stamp duty HK$739,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,026
−HK$3,783/mo
▼ 0.25% · 3.875%
HK$71,904
−HK$1,905/mo
Today · 4.125%
HK$73,809
baseline
▲ 0.50% · 4.625%
HK$77,699
+HK$3,890/mo
Deposit HK$5.92M · loan HK$13.80M · min. income ≈ HK$147,618/mo (50% DSR)
Upfront cash ≈ HK$6.65M (deposit + AVD stamp duty HK$739,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,929
−HK$5,075/mo
▼ 0.25% · 3.875%
HK$83,446
−HK$2,558/mo
Today · 4.125%
HK$86,004
baseline
▲ 0.50% · 4.625%
HK$91,237
+HK$5,233/mo
Deposit HK$1.97M · loan HK$17.75M · min. income ≈ HK$172,008/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$739,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,033
−HK$4,864/mo
▼ 0.25% · 3.875%
HK$92,447
−HK$2,450/mo
Today · 4.125%
HK$94,897
baseline
▲ 0.50% · 4.625%
HK$99,899
+HK$5,002/mo
Deposit HK$1.97M · loan HK$17.75M · min. income ≈ HK$189,794/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$739,401 · Scale 2, in force from 26 Feb 2026)