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$44,603
−HK$2,797/mo
▼ 0.25% · 3.875%
HK$45,990
−HK$1,410/mo
Today · 4.125%
HK$47,400
baseline
▲ 0.50% · 4.625%
HK$50,284
+HK$2,884/mo
Deposit HK$9.78M · loan HK$9.78M · min. income ≈ HK$94,800/mo (50% DSR)
Upfront cash ≈ HK$10.51M (deposit + AVD stamp duty HK$733,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,620
−HK$2,681/mo
▼ 0.25% · 3.875%
HK$50,951
−HK$1,350/mo
Today · 4.125%
HK$52,301
baseline
▲ 0.50% · 4.625%
HK$55,058
+HK$2,757/mo
Deposit HK$9.78M · loan HK$9.78M · min. income ≈ HK$104,602/mo (50% DSR)
Upfront cash ≈ HK$10.51M (deposit + AVD stamp duty HK$733,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,524
−HK$3,356/mo
▼ 0.25% · 3.875%
HK$55,188
−HK$1,692/mo
Today · 4.125%
HK$56,880
baseline
▲ 0.50% · 4.625%
HK$60,341
+HK$3,461/mo
Deposit HK$7.82M · loan HK$11.74M · min. income ≈ HK$113,760/mo (50% DSR)
Upfront cash ≈ HK$8.56M (deposit + AVD stamp duty HK$733,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,544
−HK$3,217/mo
▼ 0.25% · 3.875%
HK$61,141
−HK$1,620/mo
Today · 4.125%
HK$62,761
baseline
▲ 0.50% · 4.625%
HK$66,070
+HK$3,309/mo
Deposit HK$7.82M · loan HK$11.74M · min. income ≈ HK$125,522/mo (50% DSR)
Upfront cash ≈ HK$8.56M (deposit + AVD stamp duty HK$733,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,444
−HK$3,916/mo
▼ 0.25% · 3.875%
HK$64,386
−HK$1,974/mo
Today · 4.125%
HK$66,360
baseline
▲ 0.50% · 4.625%
HK$70,398
+HK$4,038/mo
Deposit HK$5.87M · loan HK$13.69M · min. income ≈ HK$132,720/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$733,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,468
−HK$3,754/mo
▼ 0.25% · 3.875%
HK$71,332
−HK$1,890/mo
Today · 4.125%
HK$73,222
baseline
▲ 0.50% · 4.625%
HK$77,081
+HK$3,859/mo
Deposit HK$5.87M · loan HK$13.69M · min. income ≈ HK$146,444/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$733,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,285
−HK$5,035/mo
▼ 0.25% · 3.875%
HK$82,783
−HK$2,537/mo
Today · 4.125%
HK$85,320
baseline
▲ 0.50% · 4.625%
HK$90,511
+HK$5,191/mo
Deposit HK$1.96M · loan HK$17.60M · min. income ≈ HK$170,640/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$733,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,317
−HK$4,825/mo
▼ 0.25% · 3.875%
HK$91,712
−HK$2,430/mo
Today · 4.125%
HK$94,142
baseline
▲ 0.50% · 4.625%
HK$99,104
+HK$4,962/mo
Deposit HK$1.96M · loan HK$17.60M · min. income ≈ HK$188,284/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$733,519 · Scale 2, in force from 26 Feb 2026)