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$45,047
−HK$2,825/mo
▼ 0.25% · 3.875%
HK$46,448
−HK$1,424/mo
Today · 4.125%
HK$47,872
baseline
▲ 0.50% · 4.625%
HK$50,785
+HK$2,913/mo
Deposit HK$9.88M · loan HK$9.88M · min. income ≈ HK$95,744/mo (50% DSR)
Upfront cash ≈ HK$10.62M (deposit + AVD stamp duty HK$740,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,115
−HK$2,707/mo
▼ 0.25% · 3.875%
HK$51,459
−HK$1,363/mo
Today · 4.125%
HK$52,822
baseline
▲ 0.50% · 4.625%
HK$55,606
+HK$2,784/mo
Deposit HK$9.88M · loan HK$9.88M · min. income ≈ HK$105,644/mo (50% DSR)
Upfront cash ≈ HK$10.62M (deposit + AVD stamp duty HK$740,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,057
−HK$3,389/mo
▼ 0.25% · 3.875%
HK$55,738
−HK$1,708/mo
Today · 4.125%
HK$57,446
baseline
▲ 0.50% · 4.625%
HK$60,942
+HK$3,496/mo
Deposit HK$7.90M · loan HK$11.85M · min. income ≈ HK$114,892/mo (50% DSR)
Upfront cash ≈ HK$8.64M (deposit + AVD stamp duty HK$740,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,138
−HK$3,249/mo
▼ 0.25% · 3.875%
HK$61,750
−HK$1,637/mo
Today · 4.125%
HK$63,387
baseline
▲ 0.50% · 4.625%
HK$66,728
+HK$3,341/mo
Deposit HK$7.90M · loan HK$11.85M · min. income ≈ HK$126,774/mo (50% DSR)
Upfront cash ≈ HK$8.64M (deposit + AVD stamp duty HK$740,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,066
−HK$3,955/mo
▼ 0.25% · 3.875%
HK$65,028
−HK$1,993/mo
Today · 4.125%
HK$67,021
baseline
▲ 0.50% · 4.625%
HK$71,099
+HK$4,078/mo
Deposit HK$5.93M · loan HK$13.83M · min. income ≈ HK$134,042/mo (50% DSR)
Upfront cash ≈ HK$6.67M (deposit + AVD stamp duty HK$740,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,160
−HK$3,791/mo
▼ 0.25% · 3.875%
HK$72,042
−HK$1,909/mo
Today · 4.125%
HK$73,951
baseline
▲ 0.50% · 4.625%
HK$77,849
+HK$3,898/mo
Deposit HK$5.93M · loan HK$13.83M · min. income ≈ HK$147,902/mo (50% DSR)
Upfront cash ≈ HK$6.67M (deposit + AVD stamp duty HK$740,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,085
−HK$5,085/mo
▼ 0.25% · 3.875%
HK$83,607
−HK$2,563/mo
Today · 4.125%
HK$86,170
baseline
▲ 0.50% · 4.625%
HK$91,413
+HK$5,243/mo
Deposit HK$1.98M · loan HK$17.78M · min. income ≈ HK$172,340/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$740,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,206
−HK$4,874/mo
▼ 0.25% · 3.875%
HK$92,626
−HK$2,454/mo
Today · 4.125%
HK$95,080
baseline
▲ 0.50% · 4.625%
HK$100,092
+HK$5,012/mo
Deposit HK$1.98M · loan HK$17.78M · min. income ≈ HK$190,160/mo (50% DSR)
Upfront cash ≈ HK$2.72M (deposit + AVD stamp duty HK$740,825 · Scale 2, in force from 26 Feb 2026)