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$44,686
−HK$2,802/mo
▼ 0.25% · 3.875%
HK$46,076
−HK$1,412/mo
Today · 4.125%
HK$47,488
baseline
▲ 0.50% · 4.625%
HK$50,378
+HK$2,890/mo
Deposit HK$9.80M · loan HK$9.80M · min. income ≈ HK$94,976/mo (50% DSR)
Upfront cash ≈ HK$10.53M (deposit + AVD stamp duty HK$734,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,713
−HK$2,685/mo
▼ 0.25% · 3.875%
HK$51,046
−HK$1,352/mo
Today · 4.125%
HK$52,398
baseline
▲ 0.50% · 4.625%
HK$55,160
+HK$2,762/mo
Deposit HK$9.80M · loan HK$9.80M · min. income ≈ HK$104,796/mo (50% DSR)
Upfront cash ≈ HK$10.53M (deposit + AVD stamp duty HK$734,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,623
−HK$3,363/mo
▼ 0.25% · 3.875%
HK$55,291
−HK$1,695/mo
Today · 4.125%
HK$56,986
baseline
▲ 0.50% · 4.625%
HK$60,453
+HK$3,467/mo
Deposit HK$7.84M · loan HK$11.76M · min. income ≈ HK$113,972/mo (50% DSR)
Upfront cash ≈ HK$8.57M (deposit + AVD stamp duty HK$734,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,655
−HK$3,223/mo
▼ 0.25% · 3.875%
HK$61,255
−HK$1,623/mo
Today · 4.125%
HK$62,878
baseline
▲ 0.50% · 4.625%
HK$66,192
+HK$3,314/mo
Deposit HK$7.84M · loan HK$11.76M · min. income ≈ HK$125,756/mo (50% DSR)
Upfront cash ≈ HK$8.57M (deposit + AVD stamp duty HK$734,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,560
−HK$3,923/mo
▼ 0.25% · 3.875%
HK$64,506
−HK$1,977/mo
Today · 4.125%
HK$66,483
baseline
▲ 0.50% · 4.625%
HK$70,529
+HK$4,046/mo
Deposit HK$5.88M · loan HK$13.72M · min. income ≈ HK$132,966/mo (50% DSR)
Upfront cash ≈ HK$6.61M (deposit + AVD stamp duty HK$734,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,598
−HK$3,760/mo
▼ 0.25% · 3.875%
HK$71,464
−HK$1,894/mo
Today · 4.125%
HK$73,358
baseline
▲ 0.50% · 4.625%
HK$77,225
+HK$3,867/mo
Deposit HK$5.88M · loan HK$13.72M · min. income ≈ HK$146,716/mo (50% DSR)
Upfront cash ≈ HK$6.61M (deposit + AVD stamp duty HK$734,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,435
−HK$5,044/mo
▼ 0.25% · 3.875%
HK$82,937
−HK$2,542/mo
Today · 4.125%
HK$85,479
baseline
▲ 0.50% · 4.625%
HK$90,680
+HK$5,201/mo
Deposit HK$1.96M · loan HK$17.64M · min. income ≈ HK$170,958/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$734,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,483
−HK$4,834/mo
▼ 0.25% · 3.875%
HK$91,883
−HK$2,434/mo
Today · 4.125%
HK$94,317
baseline
▲ 0.50% · 4.625%
HK$99,289
+HK$4,972/mo
Deposit HK$1.96M · loan HK$17.64M · min. income ≈ HK$188,634/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$734,883 · Scale 2, in force from 26 Feb 2026)