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$44,986
−HK$2,821/mo
▼ 0.25% · 3.875%
HK$46,385
−HK$1,422/mo
Today · 4.125%
HK$47,807
baseline
▲ 0.50% · 4.625%
HK$50,716
+HK$2,909/mo
Deposit HK$9.86M · loan HK$9.86M · min. income ≈ HK$95,614/mo (50% DSR)
Upfront cash ≈ HK$10.60M (deposit + AVD stamp duty HK$739,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,046
−HK$2,704/mo
▼ 0.25% · 3.875%
HK$51,388
−HK$1,362/mo
Today · 4.125%
HK$52,750
baseline
▲ 0.50% · 4.625%
HK$55,531
+HK$2,781/mo
Deposit HK$9.86M · loan HK$9.86M · min. income ≈ HK$105,500/mo (50% DSR)
Upfront cash ≈ HK$10.60M (deposit + AVD stamp duty HK$739,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,983
−HK$3,385/mo
▼ 0.25% · 3.875%
HK$55,662
−HK$1,706/mo
Today · 4.125%
HK$57,368
baseline
▲ 0.50% · 4.625%
HK$60,859
+HK$3,491/mo
Deposit HK$7.89M · loan HK$11.84M · min. income ≈ HK$114,736/mo (50% DSR)
Upfront cash ≈ HK$8.63M (deposit + AVD stamp duty HK$739,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,055
−HK$3,245/mo
▼ 0.25% · 3.875%
HK$61,666
−HK$1,634/mo
Today · 4.125%
HK$63,300
baseline
▲ 0.50% · 4.625%
HK$66,637
+HK$3,337/mo
Deposit HK$7.89M · loan HK$11.84M · min. income ≈ HK$126,600/mo (50% DSR)
Upfront cash ≈ HK$8.63M (deposit + AVD stamp duty HK$739,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,980
−HK$3,949/mo
▼ 0.25% · 3.875%
HK$64,939
−HK$1,990/mo
Today · 4.125%
HK$66,929
baseline
▲ 0.50% · 4.625%
HK$71,002
+HK$4,073/mo
Deposit HK$5.92M · loan HK$13.81M · min. income ≈ HK$133,858/mo (50% DSR)
Upfront cash ≈ HK$6.66M (deposit + AVD stamp duty HK$739,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,065
−HK$3,785/mo
▼ 0.25% · 3.875%
HK$71,944
−HK$1,906/mo
Today · 4.125%
HK$73,850
baseline
▲ 0.50% · 4.625%
HK$77,743
+HK$3,893/mo
Deposit HK$5.92M · loan HK$13.81M · min. income ≈ HK$147,700/mo (50% DSR)
Upfront cash ≈ HK$6.66M (deposit + AVD stamp duty HK$739,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,974
−HK$5,078/mo
▼ 0.25% · 3.875%
HK$83,493
−HK$2,559/mo
Today · 4.125%
HK$86,052
baseline
▲ 0.50% · 4.625%
HK$91,288
+HK$5,236/mo
Deposit HK$1.97M · loan HK$17.76M · min. income ≈ HK$172,104/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$739,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,083
−HK$4,867/mo
▼ 0.25% · 3.875%
HK$92,499
−HK$2,451/mo
Today · 4.125%
HK$94,950
baseline
▲ 0.50% · 4.625%
HK$99,955
+HK$5,005/mo
Deposit HK$1.97M · loan HK$17.76M · min. income ≈ HK$189,900/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$739,814 · Scale 2, in force from 26 Feb 2026)