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$44,623
−HK$2,798/mo
▼ 0.25% · 3.875%
HK$46,011
−HK$1,410/mo
Today · 4.125%
HK$47,421
baseline
▲ 0.50% · 4.625%
HK$50,307
+HK$2,886/mo
Deposit HK$9.78M · loan HK$9.78M · min. income ≈ HK$94,842/mo (50% DSR)
Upfront cash ≈ HK$10.52M (deposit + AVD stamp duty HK$733,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,643
−HK$2,682/mo
▼ 0.25% · 3.875%
HK$50,974
−HK$1,351/mo
Today · 4.125%
HK$52,325
baseline
▲ 0.50% · 4.625%
HK$55,083
+HK$2,758/mo
Deposit HK$9.78M · loan HK$9.78M · min. income ≈ HK$104,650/mo (50% DSR)
Upfront cash ≈ HK$10.52M (deposit + AVD stamp duty HK$733,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,548
−HK$3,358/mo
▼ 0.25% · 3.875%
HK$55,213
−HK$1,693/mo
Today · 4.125%
HK$56,906
baseline
▲ 0.50% · 4.625%
HK$60,368
+HK$3,462/mo
Deposit HK$7.83M · loan HK$11.74M · min. income ≈ HK$113,812/mo (50% DSR)
Upfront cash ≈ HK$8.56M (deposit + AVD stamp duty HK$733,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,571
−HK$3,219/mo
▼ 0.25% · 3.875%
HK$61,169
−HK$1,621/mo
Today · 4.125%
HK$62,790
baseline
▲ 0.50% · 4.625%
HK$66,099
+HK$3,309/mo
Deposit HK$7.83M · loan HK$11.74M · min. income ≈ HK$125,580/mo (50% DSR)
Upfront cash ≈ HK$8.56M (deposit + AVD stamp duty HK$733,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,472
−HK$3,918/mo
▼ 0.25% · 3.875%
HK$64,415
−HK$1,975/mo
Today · 4.125%
HK$66,390
baseline
▲ 0.50% · 4.625%
HK$70,429
+HK$4,039/mo
Deposit HK$5.87M · loan HK$13.70M · min. income ≈ HK$132,780/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$733,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,500
−HK$3,755/mo
▼ 0.25% · 3.875%
HK$71,364
−HK$1,891/mo
Today · 4.125%
HK$73,255
baseline
▲ 0.50% · 4.625%
HK$77,116
+HK$3,861/mo
Deposit HK$5.87M · loan HK$13.70M · min. income ≈ HK$146,510/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$733,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,321
−HK$5,037/mo
▼ 0.25% · 3.875%
HK$82,820
−HK$2,538/mo
Today · 4.125%
HK$85,358
baseline
▲ 0.50% · 4.625%
HK$90,552
+HK$5,194/mo
Deposit HK$1.96M · loan HK$17.61M · min. income ≈ HK$170,716/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$733,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,357
−HK$4,827/mo
▼ 0.25% · 3.875%
HK$91,753
−HK$2,431/mo
Today · 4.125%
HK$94,184
baseline
▲ 0.50% · 4.625%
HK$99,149
+HK$4,965/mo
Deposit HK$1.96M · loan HK$17.61M · min. income ≈ HK$188,368/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$733,849 · Scale 2, in force from 26 Feb 2026)