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$44,685
−HK$2,802/mo
▼ 0.25% · 3.875%
HK$46,074
−HK$1,413/mo
Today · 4.125%
HK$47,487
baseline
▲ 0.50% · 4.625%
HK$50,376
+HK$2,889/mo
Deposit HK$9.80M · loan HK$9.80M · min. income ≈ HK$94,974/mo (50% DSR)
Upfront cash ≈ HK$10.53M (deposit + AVD stamp duty HK$734,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,711
−HK$2,686/mo
▼ 0.25% · 3.875%
HK$51,044
−HK$1,353/mo
Today · 4.125%
HK$52,397
baseline
▲ 0.50% · 4.625%
HK$55,159
+HK$2,762/mo
Deposit HK$9.80M · loan HK$9.80M · min. income ≈ HK$104,794/mo (50% DSR)
Upfront cash ≈ HK$10.53M (deposit + AVD stamp duty HK$734,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,621
−HK$3,363/mo
▼ 0.25% · 3.875%
HK$55,289
−HK$1,695/mo
Today · 4.125%
HK$56,984
baseline
▲ 0.50% · 4.625%
HK$60,451
+HK$3,467/mo
Deposit HK$7.84M · loan HK$11.76M · min. income ≈ HK$113,968/mo (50% DSR)
Upfront cash ≈ HK$8.57M (deposit + AVD stamp duty HK$734,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,653
−HK$3,223/mo
▼ 0.25% · 3.875%
HK$61,253
−HK$1,623/mo
Today · 4.125%
HK$62,876
baseline
▲ 0.50% · 4.625%
HK$66,190
+HK$3,314/mo
Deposit HK$7.84M · loan HK$11.76M · min. income ≈ HK$125,752/mo (50% DSR)
Upfront cash ≈ HK$8.57M (deposit + AVD stamp duty HK$734,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,558
−HK$3,923/mo
▼ 0.25% · 3.875%
HK$64,504
−HK$1,977/mo
Today · 4.125%
HK$66,481
baseline
▲ 0.50% · 4.625%
HK$70,527
+HK$4,046/mo
Deposit HK$5.88M · loan HK$13.72M · min. income ≈ HK$132,962/mo (50% DSR)
Upfront cash ≈ HK$6.61M (deposit + AVD stamp duty HK$734,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,596
−HK$3,760/mo
▼ 0.25% · 3.875%
HK$71,462
−HK$1,894/mo
Today · 4.125%
HK$73,356
baseline
▲ 0.50% · 4.625%
HK$77,222
+HK$3,866/mo
Deposit HK$5.88M · loan HK$13.72M · min. income ≈ HK$146,712/mo (50% DSR)
Upfront cash ≈ HK$6.61M (deposit + AVD stamp duty HK$734,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,432
−HK$5,044/mo
▼ 0.25% · 3.875%
HK$82,934
−HK$2,542/mo
Today · 4.125%
HK$85,476
baseline
▲ 0.50% · 4.625%
HK$90,677
+HK$5,201/mo
Deposit HK$1.96M · loan HK$17.64M · min. income ≈ HK$170,952/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$734,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,480
−HK$4,834/mo
▼ 0.25% · 3.875%
HK$91,880
−HK$2,434/mo
Today · 4.125%
HK$94,314
baseline
▲ 0.50% · 4.625%
HK$99,286
+HK$4,972/mo
Deposit HK$1.96M · loan HK$17.64M · min. income ≈ HK$188,628/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$734,861 · Scale 2, in force from 26 Feb 2026)