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$44,646
−HK$2,800/mo
▼ 0.25% · 3.875%
HK$46,035
−HK$1,411/mo
Today · 4.125%
HK$47,446
baseline
▲ 0.50% · 4.625%
HK$50,332
+HK$2,886/mo
Deposit HK$9.79M · loan HK$9.79M · min. income ≈ HK$94,892/mo (50% DSR)
Upfront cash ≈ HK$10.52M (deposit + AVD stamp duty HK$734,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,668
−HK$2,683/mo
▼ 0.25% · 3.875%
HK$51,000
−HK$1,351/mo
Today · 4.125%
HK$52,351
baseline
▲ 0.50% · 4.625%
HK$55,111
+HK$2,760/mo
Deposit HK$9.79M · loan HK$9.79M · min. income ≈ HK$104,702/mo (50% DSR)
Upfront cash ≈ HK$10.52M (deposit + AVD stamp duty HK$734,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,575
−HK$3,360/mo
▼ 0.25% · 3.875%
HK$55,241
−HK$1,694/mo
Today · 4.125%
HK$56,935
baseline
▲ 0.50% · 4.625%
HK$60,399
+HK$3,464/mo
Deposit HK$7.83M · loan HK$11.75M · min. income ≈ HK$113,870/mo (50% DSR)
Upfront cash ≈ HK$8.57M (deposit + AVD stamp duty HK$734,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,602
−HK$3,220/mo
▼ 0.25% · 3.875%
HK$61,200
−HK$1,622/mo
Today · 4.125%
HK$62,822
baseline
▲ 0.50% · 4.625%
HK$66,133
+HK$3,311/mo
Deposit HK$7.83M · loan HK$11.75M · min. income ≈ HK$125,644/mo (50% DSR)
Upfront cash ≈ HK$8.57M (deposit + AVD stamp duty HK$734,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,504
−HK$3,920/mo
▼ 0.25% · 3.875%
HK$64,448
−HK$1,976/mo
Today · 4.125%
HK$66,424
baseline
▲ 0.50% · 4.625%
HK$70,465
+HK$4,041/mo
Deposit HK$5.87M · loan HK$13.71M · min. income ≈ HK$132,848/mo (50% DSR)
Upfront cash ≈ HK$6.61M (deposit + AVD stamp duty HK$734,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,535
−HK$3,757/mo
▼ 0.25% · 3.875%
HK$71,400
−HK$1,892/mo
Today · 4.125%
HK$73,292
baseline
▲ 0.50% · 4.625%
HK$77,155
+HK$3,863/mo
Deposit HK$5.87M · loan HK$13.71M · min. income ≈ HK$146,584/mo (50% DSR)
Upfront cash ≈ HK$6.61M (deposit + AVD stamp duty HK$734,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,362
−HK$5,040/mo
▼ 0.25% · 3.875%
HK$82,862
−HK$2,540/mo
Today · 4.125%
HK$85,402
baseline
▲ 0.50% · 4.625%
HK$90,598
+HK$5,196/mo
Deposit HK$1.96M · loan HK$17.62M · min. income ≈ HK$170,804/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$734,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,402
−HK$4,831/mo
▼ 0.25% · 3.875%
HK$91,800
−HK$2,433/mo
Today · 4.125%
HK$94,233
baseline
▲ 0.50% · 4.625%
HK$99,200
+HK$4,967/mo
Deposit HK$1.96M · loan HK$17.62M · min. income ≈ HK$188,466/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$734,224 · Scale 2, in force from 26 Feb 2026)