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$44,601
−HK$2,796/mo
▼ 0.25% · 3.875%
HK$45,988
−HK$1,409/mo
Today · 4.125%
HK$47,397
baseline
▲ 0.50% · 4.625%
HK$50,281
+HK$2,884/mo
Deposit HK$9.78M · loan HK$9.78M · min. income ≈ HK$94,794/mo (50% DSR)
Upfront cash ≈ HK$10.51M (deposit + AVD stamp duty HK$733,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,618
−HK$2,680/mo
▼ 0.25% · 3.875%
HK$50,948
−HK$1,350/mo
Today · 4.125%
HK$52,298
baseline
▲ 0.50% · 4.625%
HK$55,055
+HK$2,757/mo
Deposit HK$9.78M · loan HK$9.78M · min. income ≈ HK$104,596/mo (50% DSR)
Upfront cash ≈ HK$10.51M (deposit + AVD stamp duty HK$733,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,521
−HK$3,356/mo
▼ 0.25% · 3.875%
HK$55,185
−HK$1,692/mo
Today · 4.125%
HK$56,877
baseline
▲ 0.50% · 4.625%
HK$60,338
+HK$3,461/mo
Deposit HK$7.82M · loan HK$11.74M · min. income ≈ HK$113,754/mo (50% DSR)
Upfront cash ≈ HK$8.56M (deposit + AVD stamp duty HK$733,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,541
−HK$3,217/mo
▼ 0.25% · 3.875%
HK$61,138
−HK$1,620/mo
Today · 4.125%
HK$62,758
baseline
▲ 0.50% · 4.625%
HK$66,066
+HK$3,308/mo
Deposit HK$7.82M · loan HK$11.74M · min. income ≈ HK$125,516/mo (50% DSR)
Upfront cash ≈ HK$8.56M (deposit + AVD stamp duty HK$733,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,441
−HK$3,915/mo
▼ 0.25% · 3.875%
HK$64,383
−HK$1,973/mo
Today · 4.125%
HK$66,356
baseline
▲ 0.50% · 4.625%
HK$70,394
+HK$4,038/mo
Deposit HK$5.87M · loan HK$13.69M · min. income ≈ HK$132,712/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$733,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,465
−HK$3,753/mo
▼ 0.25% · 3.875%
HK$71,328
−HK$1,890/mo
Today · 4.125%
HK$73,218
baseline
▲ 0.50% · 4.625%
HK$77,077
+HK$3,859/mo
Deposit HK$5.87M · loan HK$13.69M · min. income ≈ HK$146,436/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$733,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,281
−HK$5,034/mo
▼ 0.25% · 3.875%
HK$82,778
−HK$2,537/mo
Today · 4.125%
HK$85,315
baseline
▲ 0.50% · 4.625%
HK$90,507
+HK$5,192/mo
Deposit HK$1.96M · loan HK$17.60M · min. income ≈ HK$170,630/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$733,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,312
−HK$4,825/mo
▼ 0.25% · 3.875%
HK$91,707
−HK$2,430/mo
Today · 4.125%
HK$94,137
baseline
▲ 0.50% · 4.625%
HK$99,099
+HK$4,962/mo
Deposit HK$1.96M · loan HK$17.60M · min. income ≈ HK$188,274/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$733,480 · Scale 2, in force from 26 Feb 2026)