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$44,666
−HK$2,801/mo
▼ 0.25% · 3.875%
HK$46,056
−HK$1,411/mo
Today · 4.125%
HK$47,467
baseline
▲ 0.50% · 4.625%
HK$50,356
+HK$2,889/mo
Deposit HK$9.79M · loan HK$9.79M · min. income ≈ HK$94,934/mo (50% DSR)
Upfront cash ≈ HK$10.53M (deposit + AVD stamp duty HK$734,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,691
−HK$2,685/mo
▼ 0.25% · 3.875%
HK$51,024
−HK$1,352/mo
Today · 4.125%
HK$52,376
baseline
▲ 0.50% · 4.625%
HK$55,136
+HK$2,760/mo
Deposit HK$9.79M · loan HK$9.79M · min. income ≈ HK$104,752/mo (50% DSR)
Upfront cash ≈ HK$10.53M (deposit + AVD stamp duty HK$734,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,600
−HK$3,361/mo
▼ 0.25% · 3.875%
HK$55,267
−HK$1,694/mo
Today · 4.125%
HK$56,961
baseline
▲ 0.50% · 4.625%
HK$60,427
+HK$3,466/mo
Deposit HK$7.84M · loan HK$11.75M · min. income ≈ HK$113,922/mo (50% DSR)
Upfront cash ≈ HK$8.57M (deposit + AVD stamp duty HK$734,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,629
−HK$3,222/mo
▼ 0.25% · 3.875%
HK$61,228
−HK$1,623/mo
Today · 4.125%
HK$62,851
baseline
▲ 0.50% · 4.625%
HK$66,164
+HK$3,313/mo
Deposit HK$7.84M · loan HK$11.75M · min. income ≈ HK$125,702/mo (50% DSR)
Upfront cash ≈ HK$8.57M (deposit + AVD stamp duty HK$734,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,533
−HK$3,921/mo
▼ 0.25% · 3.875%
HK$64,478
−HK$1,976/mo
Today · 4.125%
HK$66,454
baseline
▲ 0.50% · 4.625%
HK$70,498
+HK$4,044/mo
Deposit HK$5.88M · loan HK$13.71M · min. income ≈ HK$132,908/mo (50% DSR)
Upfront cash ≈ HK$6.61M (deposit + AVD stamp duty HK$734,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,567
−HK$3,759/mo
▼ 0.25% · 3.875%
HK$71,433
−HK$1,893/mo
Today · 4.125%
HK$73,326
baseline
▲ 0.50% · 4.625%
HK$77,191
+HK$3,865/mo
Deposit HK$5.88M · loan HK$13.71M · min. income ≈ HK$146,652/mo (50% DSR)
Upfront cash ≈ HK$6.61M (deposit + AVD stamp duty HK$734,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,400
−HK$5,041/mo
▼ 0.25% · 3.875%
HK$82,901
−HK$2,540/mo
Today · 4.125%
HK$85,441
baseline
▲ 0.50% · 4.625%
HK$90,640
+HK$5,199/mo
Deposit HK$1.96M · loan HK$17.63M · min. income ≈ HK$170,882/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$734,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,444
−HK$4,832/mo
▼ 0.25% · 3.875%
HK$91,843
−HK$2,433/mo
Today · 4.125%
HK$94,276
baseline
▲ 0.50% · 4.625%
HK$99,246
+HK$4,970/mo
Deposit HK$1.96M · loan HK$17.63M · min. income ≈ HK$188,552/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$734,564 · Scale 2, in force from 26 Feb 2026)