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$44,652
−HK$2,800/mo
▼ 0.25% · 3.875%
HK$46,040
−HK$1,412/mo
Today · 4.125%
HK$47,452
baseline
▲ 0.50% · 4.625%
HK$50,339
+HK$2,887/mo
Deposit HK$9.79M · loan HK$9.79M · min. income ≈ HK$94,904/mo (50% DSR)
Upfront cash ≈ HK$10.53M (deposit + AVD stamp duty HK$734,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,674
−HK$2,684/mo
▼ 0.25% · 3.875%
HK$51,007
−HK$1,351/mo
Today · 4.125%
HK$52,358
baseline
▲ 0.50% · 4.625%
HK$55,118
+HK$2,760/mo
Deposit HK$9.79M · loan HK$9.79M · min. income ≈ HK$104,716/mo (50% DSR)
Upfront cash ≈ HK$10.53M (deposit + AVD stamp duty HK$734,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,582
−HK$3,360/mo
▼ 0.25% · 3.875%
HK$55,249
−HK$1,693/mo
Today · 4.125%
HK$56,942
baseline
▲ 0.50% · 4.625%
HK$60,407
+HK$3,465/mo
Deposit HK$7.83M · loan HK$11.75M · min. income ≈ HK$113,884/mo (50% DSR)
Upfront cash ≈ HK$8.57M (deposit + AVD stamp duty HK$734,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,609
−HK$3,221/mo
▼ 0.25% · 3.875%
HK$61,208
−HK$1,622/mo
Today · 4.125%
HK$62,830
baseline
▲ 0.50% · 4.625%
HK$66,142
+HK$3,312/mo
Deposit HK$7.83M · loan HK$11.75M · min. income ≈ HK$125,660/mo (50% DSR)
Upfront cash ≈ HK$8.57M (deposit + AVD stamp duty HK$734,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,512
−HK$3,920/mo
▼ 0.25% · 3.875%
HK$64,457
−HK$1,975/mo
Today · 4.125%
HK$66,432
baseline
▲ 0.50% · 4.625%
HK$70,474
+HK$4,042/mo
Deposit HK$5.87M · loan HK$13.71M · min. income ≈ HK$132,864/mo (50% DSR)
Upfront cash ≈ HK$6.61M (deposit + AVD stamp duty HK$734,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,544
−HK$3,757/mo
▼ 0.25% · 3.875%
HK$71,409
−HK$1,892/mo
Today · 4.125%
HK$73,301
baseline
▲ 0.50% · 4.625%
HK$77,165
+HK$3,864/mo
Deposit HK$5.87M · loan HK$13.71M · min. income ≈ HK$146,602/mo (50% DSR)
Upfront cash ≈ HK$6.61M (deposit + AVD stamp duty HK$734,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,373
−HK$5,040/mo
▼ 0.25% · 3.875%
HK$82,873
−HK$2,540/mo
Today · 4.125%
HK$85,413
baseline
▲ 0.50% · 4.625%
HK$90,610
+HK$5,197/mo
Deposit HK$1.96M · loan HK$17.62M · min. income ≈ HK$170,826/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$734,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,414
−HK$4,831/mo
▼ 0.25% · 3.875%
HK$91,812
−HK$2,433/mo
Today · 4.125%
HK$94,245
baseline
▲ 0.50% · 4.625%
HK$99,212
+HK$4,967/mo
Deposit HK$1.96M · loan HK$17.62M · min. income ≈ HK$188,490/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$734,319 · Scale 2, in force from 26 Feb 2026)