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$44,881
−HK$2,814/mo
▼ 0.25% · 3.875%
HK$46,277
−HK$1,418/mo
Today · 4.125%
HK$47,695
baseline
▲ 0.50% · 4.625%
HK$50,597
+HK$2,902/mo
Deposit HK$9.84M · loan HK$9.84M · min. income ≈ HK$95,390/mo (50% DSR)
Upfront cash ≈ HK$10.58M (deposit + AVD stamp duty HK$738,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,929
−HK$2,698/mo
▼ 0.25% · 3.875%
HK$51,268
−HK$1,359/mo
Today · 4.125%
HK$52,627
baseline
▲ 0.50% · 4.625%
HK$55,401
+HK$2,774/mo
Deposit HK$9.84M · loan HK$9.84M · min. income ≈ HK$105,254/mo (50% DSR)
Upfront cash ≈ HK$10.58M (deposit + AVD stamp duty HK$738,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,857
−HK$3,377/mo
▼ 0.25% · 3.875%
HK$55,532
−HK$1,702/mo
Today · 4.125%
HK$57,234
baseline
▲ 0.50% · 4.625%
HK$60,717
+HK$3,483/mo
Deposit HK$7.87M · loan HK$11.81M · min. income ≈ HK$114,468/mo (50% DSR)
Upfront cash ≈ HK$8.61M (deposit + AVD stamp duty HK$738,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,915
−HK$3,237/mo
▼ 0.25% · 3.875%
HK$61,522
−HK$1,630/mo
Today · 4.125%
HK$63,152
baseline
▲ 0.50% · 4.625%
HK$66,481
+HK$3,329/mo
Deposit HK$7.87M · loan HK$11.81M · min. income ≈ HK$126,304/mo (50% DSR)
Upfront cash ≈ HK$8.61M (deposit + AVD stamp duty HK$738,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,833
−HK$3,940/mo
▼ 0.25% · 3.875%
HK$64,787
−HK$1,986/mo
Today · 4.125%
HK$66,773
baseline
▲ 0.50% · 4.625%
HK$70,836
+HK$4,063/mo
Deposit HK$5.90M · loan HK$13.78M · min. income ≈ HK$133,546/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$738,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,901
−HK$3,776/mo
▼ 0.25% · 3.875%
HK$71,776
−HK$1,901/mo
Today · 4.125%
HK$73,677
baseline
▲ 0.50% · 4.625%
HK$77,561
+HK$3,884/mo
Deposit HK$5.90M · loan HK$13.78M · min. income ≈ HK$147,354/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$738,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,785
−HK$5,066/mo
▼ 0.25% · 3.875%
HK$83,298
−HK$2,553/mo
Today · 4.125%
HK$85,851
baseline
▲ 0.50% · 4.625%
HK$91,075
+HK$5,224/mo
Deposit HK$1.97M · loan HK$17.71M · min. income ≈ HK$171,702/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$738,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,873
−HK$4,855/mo
▼ 0.25% · 3.875%
HK$92,283
−HK$2,445/mo
Today · 4.125%
HK$94,728
baseline
▲ 0.50% · 4.625%
HK$99,721
+HK$4,993/mo
Deposit HK$1.97M · loan HK$17.71M · min. income ≈ HK$189,456/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$738,085 · Scale 2, in force from 26 Feb 2026)