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$44,635
−HK$2,799/mo
▼ 0.25% · 3.875%
HK$46,024
−HK$1,410/mo
Today · 4.125%
HK$47,434
baseline
▲ 0.50% · 4.625%
HK$50,321
+HK$2,887/mo
Deposit HK$9.79M · loan HK$9.79M · min. income ≈ HK$94,868/mo (50% DSR)
Upfront cash ≈ HK$10.52M (deposit + AVD stamp duty HK$734,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,656
−HK$2,683/mo
▼ 0.25% · 3.875%
HK$50,988
−HK$1,351/mo
Today · 4.125%
HK$52,339
baseline
▲ 0.50% · 4.625%
HK$55,098
+HK$2,759/mo
Deposit HK$9.79M · loan HK$9.79M · min. income ≈ HK$104,678/mo (50% DSR)
Upfront cash ≈ HK$10.52M (deposit + AVD stamp duty HK$734,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,562
−HK$3,359/mo
▼ 0.25% · 3.875%
HK$55,228
−HK$1,693/mo
Today · 4.125%
HK$56,921
baseline
▲ 0.50% · 4.625%
HK$60,385
+HK$3,464/mo
Deposit HK$7.83M · loan HK$11.74M · min. income ≈ HK$113,842/mo (50% DSR)
Upfront cash ≈ HK$8.56M (deposit + AVD stamp duty HK$734,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,588
−HK$3,219/mo
▼ 0.25% · 3.875%
HK$61,186
−HK$1,621/mo
Today · 4.125%
HK$62,807
baseline
▲ 0.50% · 4.625%
HK$66,118
+HK$3,311/mo
Deposit HK$7.83M · loan HK$11.74M · min. income ≈ HK$125,614/mo (50% DSR)
Upfront cash ≈ HK$8.56M (deposit + AVD stamp duty HK$734,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,489
−HK$3,919/mo
▼ 0.25% · 3.875%
HK$64,433
−HK$1,975/mo
Today · 4.125%
HK$66,408
baseline
▲ 0.50% · 4.625%
HK$70,449
+HK$4,041/mo
Deposit HK$5.87M · loan HK$13.70M · min. income ≈ HK$132,816/mo (50% DSR)
Upfront cash ≈ HK$6.61M (deposit + AVD stamp duty HK$734,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,519
−HK$3,756/mo
▼ 0.25% · 3.875%
HK$71,383
−HK$1,892/mo
Today · 4.125%
HK$73,275
baseline
▲ 0.50% · 4.625%
HK$77,137
+HK$3,862/mo
Deposit HK$5.87M · loan HK$13.70M · min. income ≈ HK$146,550/mo (50% DSR)
Upfront cash ≈ HK$6.61M (deposit + AVD stamp duty HK$734,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,344
−HK$5,038/mo
▼ 0.25% · 3.875%
HK$82,843
−HK$2,539/mo
Today · 4.125%
HK$85,382
baseline
▲ 0.50% · 4.625%
HK$90,577
+HK$5,195/mo
Deposit HK$1.96M · loan HK$17.62M · min. income ≈ HK$170,764/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$734,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,381
−HK$4,829/mo
▼ 0.25% · 3.875%
HK$91,779
−HK$2,431/mo
Today · 4.125%
HK$94,210
baseline
▲ 0.50% · 4.625%
HK$99,176
+HK$4,966/mo
Deposit HK$1.96M · loan HK$17.62M · min. income ≈ HK$188,420/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$734,052 · Scale 2, in force from 26 Feb 2026)