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$44,663
−HK$2,800/mo
▼ 0.25% · 3.875%
HK$46,052
−HK$1,411/mo
Today · 4.125%
HK$47,463
baseline
▲ 0.50% · 4.625%
HK$50,351
+HK$2,888/mo
Deposit HK$9.79M · loan HK$9.79M · min. income ≈ HK$94,926/mo (50% DSR)
Upfront cash ≈ HK$10.53M (deposit + AVD stamp duty HK$734,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,687
−HK$2,684/mo
▼ 0.25% · 3.875%
HK$51,019
−HK$1,352/mo
Today · 4.125%
HK$52,371
baseline
▲ 0.50% · 4.625%
HK$55,132
+HK$2,761/mo
Deposit HK$9.79M · loan HK$9.79M · min. income ≈ HK$104,742/mo (50% DSR)
Upfront cash ≈ HK$10.53M (deposit + AVD stamp duty HK$734,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,595
−HK$3,361/mo
▼ 0.25% · 3.875%
HK$55,262
−HK$1,694/mo
Today · 4.125%
HK$56,956
baseline
▲ 0.50% · 4.625%
HK$60,422
+HK$3,466/mo
Deposit HK$7.83M · loan HK$11.75M · min. income ≈ HK$113,912/mo (50% DSR)
Upfront cash ≈ HK$8.57M (deposit + AVD stamp duty HK$734,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,624
−HK$3,221/mo
▼ 0.25% · 3.875%
HK$61,223
−HK$1,622/mo
Today · 4.125%
HK$62,845
baseline
▲ 0.50% · 4.625%
HK$66,158
+HK$3,313/mo
Deposit HK$7.83M · loan HK$11.75M · min. income ≈ HK$125,690/mo (50% DSR)
Upfront cash ≈ HK$8.57M (deposit + AVD stamp duty HK$734,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,528
−HK$3,921/mo
▼ 0.25% · 3.875%
HK$64,473
−HK$1,976/mo
Today · 4.125%
HK$66,449
baseline
▲ 0.50% · 4.625%
HK$70,492
+HK$4,043/mo
Deposit HK$5.88M · loan HK$13.71M · min. income ≈ HK$132,898/mo (50% DSR)
Upfront cash ≈ HK$6.61M (deposit + AVD stamp duty HK$734,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,561
−HK$3,759/mo
▼ 0.25% · 3.875%
HK$71,427
−HK$1,893/mo
Today · 4.125%
HK$73,320
baseline
▲ 0.50% · 4.625%
HK$77,184
+HK$3,864/mo
Deposit HK$5.88M · loan HK$13.71M · min. income ≈ HK$146,640/mo (50% DSR)
Upfront cash ≈ HK$6.61M (deposit + AVD stamp duty HK$734,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,393
−HK$5,041/mo
▼ 0.25% · 3.875%
HK$82,893
−HK$2,541/mo
Today · 4.125%
HK$85,434
baseline
▲ 0.50% · 4.625%
HK$90,633
+HK$5,199/mo
Deposit HK$1.96M · loan HK$17.63M · min. income ≈ HK$170,868/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$734,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,436
−HK$4,832/mo
▼ 0.25% · 3.875%
HK$91,835
−HK$2,433/mo
Today · 4.125%
HK$94,268
baseline
▲ 0.50% · 4.625%
HK$99,237
+HK$4,969/mo
Deposit HK$1.96M · loan HK$17.63M · min. income ≈ HK$188,536/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$734,501 · Scale 2, in force from 26 Feb 2026)