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$44,671
−HK$2,801/mo
▼ 0.25% · 3.875%
HK$46,061
−HK$1,411/mo
Today · 4.125%
HK$47,472
baseline
▲ 0.50% · 4.625%
HK$50,361
+HK$2,889/mo
Deposit HK$9.80M · loan HK$9.80M · min. income ≈ HK$94,944/mo (50% DSR)
Upfront cash ≈ HK$10.53M (deposit + AVD stamp duty HK$734,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,696
−HK$2,685/mo
▼ 0.25% · 3.875%
HK$51,029
−HK$1,352/mo
Today · 4.125%
HK$52,381
baseline
▲ 0.50% · 4.625%
HK$55,142
+HK$2,761/mo
Deposit HK$9.80M · loan HK$9.80M · min. income ≈ HK$104,762/mo (50% DSR)
Upfront cash ≈ HK$10.53M (deposit + AVD stamp duty HK$734,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,605
−HK$3,362/mo
▼ 0.25% · 3.875%
HK$55,273
−HK$1,694/mo
Today · 4.125%
HK$56,967
baseline
▲ 0.50% · 4.625%
HK$60,433
+HK$3,466/mo
Deposit HK$7.84M · loan HK$11.75M · min. income ≈ HK$113,934/mo (50% DSR)
Upfront cash ≈ HK$8.57M (deposit + AVD stamp duty HK$734,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,635
−HK$3,222/mo
▼ 0.25% · 3.875%
HK$61,235
−HK$1,622/mo
Today · 4.125%
HK$62,857
baseline
▲ 0.50% · 4.625%
HK$66,171
+HK$3,314/mo
Deposit HK$7.84M · loan HK$11.75M · min. income ≈ HK$125,714/mo (50% DSR)
Upfront cash ≈ HK$8.57M (deposit + AVD stamp duty HK$734,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,540
−HK$3,921/mo
▼ 0.25% · 3.875%
HK$64,485
−HK$1,976/mo
Today · 4.125%
HK$66,461
baseline
▲ 0.50% · 4.625%
HK$70,505
+HK$4,044/mo
Deposit HK$5.88M · loan HK$13.71M · min. income ≈ HK$132,922/mo (50% DSR)
Upfront cash ≈ HK$6.61M (deposit + AVD stamp duty HK$734,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,575
−HK$3,759/mo
▼ 0.25% · 3.875%
HK$71,441
−HK$1,893/mo
Today · 4.125%
HK$73,334
baseline
▲ 0.50% · 4.625%
HK$77,199
+HK$3,865/mo
Deposit HK$5.88M · loan HK$13.71M · min. income ≈ HK$146,668/mo (50% DSR)
Upfront cash ≈ HK$6.61M (deposit + AVD stamp duty HK$734,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,408
−HK$5,042/mo
▼ 0.25% · 3.875%
HK$82,909
−HK$2,541/mo
Today · 4.125%
HK$85,450
baseline
▲ 0.50% · 4.625%
HK$90,650
+HK$5,200/mo
Deposit HK$1.96M · loan HK$17.63M · min. income ≈ HK$170,900/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$734,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,453
−HK$4,833/mo
▼ 0.25% · 3.875%
HK$91,852
−HK$2,434/mo
Today · 4.125%
HK$94,286
baseline
▲ 0.50% · 4.625%
HK$99,256
+HK$4,970/mo
Deposit HK$1.96M · loan HK$17.63M · min. income ≈ HK$188,572/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$734,641 · Scale 2, in force from 26 Feb 2026)