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$44,972
−HK$2,821/mo
▼ 0.25% · 3.875%
HK$46,371
−HK$1,422/mo
Today · 4.125%
HK$47,793
baseline
▲ 0.50% · 4.625%
HK$50,701
+HK$2,908/mo
Deposit HK$9.86M · loan HK$9.86M · min. income ≈ HK$95,586/mo (50% DSR)
Upfront cash ≈ HK$10.60M (deposit + AVD stamp duty HK$739,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,031
−HK$2,703/mo
▼ 0.25% · 3.875%
HK$51,373
−HK$1,361/mo
Today · 4.125%
HK$52,734
baseline
▲ 0.50% · 4.625%
HK$55,514
+HK$2,780/mo
Deposit HK$9.86M · loan HK$9.86M · min. income ≈ HK$105,468/mo (50% DSR)
Upfront cash ≈ HK$10.60M (deposit + AVD stamp duty HK$739,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,967
−HK$3,384/mo
▼ 0.25% · 3.875%
HK$55,646
−HK$1,705/mo
Today · 4.125%
HK$57,351
baseline
▲ 0.50% · 4.625%
HK$60,841
+HK$3,490/mo
Deposit HK$7.89M · loan HK$11.83M · min. income ≈ HK$114,702/mo (50% DSR)
Upfront cash ≈ HK$8.63M (deposit + AVD stamp duty HK$739,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,038
−HK$3,243/mo
▼ 0.25% · 3.875%
HK$61,648
−HK$1,633/mo
Today · 4.125%
HK$63,281
baseline
▲ 0.50% · 4.625%
HK$66,617
+HK$3,336/mo
Deposit HK$7.89M · loan HK$11.83M · min. income ≈ HK$126,562/mo (50% DSR)
Upfront cash ≈ HK$8.63M (deposit + AVD stamp duty HK$739,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,961
−HK$3,949/mo
▼ 0.25% · 3.875%
HK$64,920
−HK$1,990/mo
Today · 4.125%
HK$66,910
baseline
▲ 0.50% · 4.625%
HK$70,981
+HK$4,071/mo
Deposit HK$5.92M · loan HK$13.81M · min. income ≈ HK$133,820/mo (50% DSR)
Upfront cash ≈ HK$6.66M (deposit + AVD stamp duty HK$739,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,044
−HK$3,784/mo
▼ 0.25% · 3.875%
HK$71,923
−HK$1,905/mo
Today · 4.125%
HK$73,828
baseline
▲ 0.50% · 4.625%
HK$77,720
+HK$3,892/mo
Deposit HK$5.92M · loan HK$13.81M · min. income ≈ HK$147,656/mo (50% DSR)
Upfront cash ≈ HK$6.66M (deposit + AVD stamp duty HK$739,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,950
−HK$5,077/mo
▼ 0.25% · 3.875%
HK$83,468
−HK$2,559/mo
Today · 4.125%
HK$86,027
baseline
▲ 0.50% · 4.625%
HK$91,261
+HK$5,234/mo
Deposit HK$1.97M · loan HK$17.75M · min. income ≈ HK$172,054/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$739,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,057
−HK$4,865/mo
▼ 0.25% · 3.875%
HK$92,472
−HK$2,450/mo
Today · 4.125%
HK$94,922
baseline
▲ 0.50% · 4.625%
HK$99,926
+HK$5,004/mo
Deposit HK$1.97M · loan HK$17.75M · min. income ≈ HK$189,844/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$739,596 · Scale 2, in force from 26 Feb 2026)