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$44,676
−HK$2,802/mo
▼ 0.25% · 3.875%
HK$46,066
−HK$1,412/mo
Today · 4.125%
HK$47,478
baseline
▲ 0.50% · 4.625%
HK$50,367
+HK$2,889/mo
Deposit HK$9.80M · loan HK$9.80M · min. income ≈ HK$94,956/mo (50% DSR)
Upfront cash ≈ HK$10.53M (deposit + AVD stamp duty HK$734,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,702
−HK$2,685/mo
▼ 0.25% · 3.875%
HK$51,035
−HK$1,352/mo
Today · 4.125%
HK$52,387
baseline
▲ 0.50% · 4.625%
HK$55,149
+HK$2,762/mo
Deposit HK$9.80M · loan HK$9.80M · min. income ≈ HK$104,774/mo (50% DSR)
Upfront cash ≈ HK$10.53M (deposit + AVD stamp duty HK$734,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,612
−HK$3,362/mo
▼ 0.25% · 3.875%
HK$55,279
−HK$1,695/mo
Today · 4.125%
HK$56,974
baseline
▲ 0.50% · 4.625%
HK$60,440
+HK$3,466/mo
Deposit HK$7.84M · loan HK$11.76M · min. income ≈ HK$113,948/mo (50% DSR)
Upfront cash ≈ HK$8.57M (deposit + AVD stamp duty HK$734,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,642
−HK$3,223/mo
▼ 0.25% · 3.875%
HK$61,242
−HK$1,623/mo
Today · 4.125%
HK$62,865
baseline
▲ 0.50% · 4.625%
HK$66,178
+HK$3,313/mo
Deposit HK$7.84M · loan HK$11.76M · min. income ≈ HK$125,730/mo (50% DSR)
Upfront cash ≈ HK$8.57M (deposit + AVD stamp duty HK$734,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,547
−HK$3,922/mo
▼ 0.25% · 3.875%
HK$64,492
−HK$1,977/mo
Today · 4.125%
HK$66,469
baseline
▲ 0.50% · 4.625%
HK$70,514
+HK$4,045/mo
Deposit HK$5.88M · loan HK$13.71M · min. income ≈ HK$132,938/mo (50% DSR)
Upfront cash ≈ HK$6.61M (deposit + AVD stamp duty HK$734,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,583
−HK$3,759/mo
▼ 0.25% · 3.875%
HK$71,449
−HK$1,893/mo
Today · 4.125%
HK$73,342
baseline
▲ 0.50% · 4.625%
HK$77,208
+HK$3,866/mo
Deposit HK$5.88M · loan HK$13.71M · min. income ≈ HK$146,684/mo (50% DSR)
Upfront cash ≈ HK$6.61M (deposit + AVD stamp duty HK$734,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,417
−HK$5,043/mo
▼ 0.25% · 3.875%
HK$82,919
−HK$2,541/mo
Today · 4.125%
HK$85,460
baseline
▲ 0.50% · 4.625%
HK$90,660
+HK$5,200/mo
Deposit HK$1.96M · loan HK$17.63M · min. income ≈ HK$170,920/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$734,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,464
−HK$4,833/mo
▼ 0.25% · 3.875%
HK$91,863
−HK$2,434/mo
Today · 4.125%
HK$94,297
baseline
▲ 0.50% · 4.625%
HK$99,267
+HK$4,970/mo
Deposit HK$1.96M · loan HK$17.63M · min. income ≈ HK$188,594/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$734,726 · Scale 2, in force from 26 Feb 2026)