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$44,989
−HK$2,821/mo
▼ 0.25% · 3.875%
HK$46,389
−HK$1,421/mo
Today · 4.125%
HK$47,810
baseline
▲ 0.50% · 4.625%
HK$50,720
+HK$2,910/mo
Deposit HK$9.86M · loan HK$9.86M · min. income ≈ HK$95,620/mo (50% DSR)
Upfront cash ≈ HK$10.60M (deposit + AVD stamp duty HK$739,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,050
−HK$2,704/mo
▼ 0.25% · 3.875%
HK$51,392
−HK$1,362/mo
Today · 4.125%
HK$52,754
baseline
▲ 0.50% · 4.625%
HK$55,535
+HK$2,781/mo
Deposit HK$9.86M · loan HK$9.86M · min. income ≈ HK$105,508/mo (50% DSR)
Upfront cash ≈ HK$10.60M (deposit + AVD stamp duty HK$739,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,987
−HK$3,385/mo
▼ 0.25% · 3.875%
HK$55,666
−HK$1,706/mo
Today · 4.125%
HK$57,372
baseline
▲ 0.50% · 4.625%
HK$60,863
+HK$3,491/mo
Deposit HK$7.89M · loan HK$11.84M · min. income ≈ HK$114,744/mo (50% DSR)
Upfront cash ≈ HK$8.63M (deposit + AVD stamp duty HK$739,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,060
−HK$3,245/mo
▼ 0.25% · 3.875%
HK$61,671
−HK$1,634/mo
Today · 4.125%
HK$63,305
baseline
▲ 0.50% · 4.625%
HK$66,642
+HK$3,337/mo
Deposit HK$7.89M · loan HK$11.84M · min. income ≈ HK$126,610/mo (50% DSR)
Upfront cash ≈ HK$8.63M (deposit + AVD stamp duty HK$739,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,985
−HK$3,950/mo
▼ 0.25% · 3.875%
HK$64,944
−HK$1,991/mo
Today · 4.125%
HK$66,935
baseline
▲ 0.50% · 4.625%
HK$71,007
+HK$4,072/mo
Deposit HK$5.92M · loan HK$13.81M · min. income ≈ HK$133,870/mo (50% DSR)
Upfront cash ≈ HK$6.66M (deposit + AVD stamp duty HK$739,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,070
−HK$3,786/mo
▼ 0.25% · 3.875%
HK$71,949
−HK$1,907/mo
Today · 4.125%
HK$73,856
baseline
▲ 0.50% · 4.625%
HK$77,749
+HK$3,893/mo
Deposit HK$5.92M · loan HK$13.81M · min. income ≈ HK$147,712/mo (50% DSR)
Upfront cash ≈ HK$6.66M (deposit + AVD stamp duty HK$739,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,980
−HK$5,079/mo
▼ 0.25% · 3.875%
HK$83,499
−HK$2,560/mo
Today · 4.125%
HK$86,059
baseline
▲ 0.50% · 4.625%
HK$91,295
+HK$5,236/mo
Deposit HK$1.97M · loan HK$17.76M · min. income ≈ HK$172,118/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$739,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,090
−HK$4,867/mo
▼ 0.25% · 3.875%
HK$92,506
−HK$2,451/mo
Today · 4.125%
HK$94,957
baseline
▲ 0.50% · 4.625%
HK$99,963
+HK$5,006/mo
Deposit HK$1.97M · loan HK$17.76M · min. income ≈ HK$189,914/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$739,870 · Scale 2, in force from 26 Feb 2026)