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$44,992
−HK$2,822/mo
▼ 0.25% · 3.875%
HK$46,392
−HK$1,422/mo
Today · 4.125%
HK$47,814
baseline
▲ 0.50% · 4.625%
HK$50,723
+HK$2,909/mo
Deposit HK$9.87M · loan HK$9.87M · min. income ≈ HK$95,628/mo (50% DSR)
Upfront cash ≈ HK$10.61M (deposit + AVD stamp duty HK$739,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,054
−HK$2,704/mo
▼ 0.25% · 3.875%
HK$51,396
−HK$1,362/mo
Today · 4.125%
HK$52,758
baseline
▲ 0.50% · 4.625%
HK$55,539
+HK$2,781/mo
Deposit HK$9.87M · loan HK$9.87M · min. income ≈ HK$105,516/mo (50% DSR)
Upfront cash ≈ HK$10.61M (deposit + AVD stamp duty HK$739,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,991
−HK$3,386/mo
▼ 0.25% · 3.875%
HK$55,670
−HK$1,707/mo
Today · 4.125%
HK$57,377
baseline
▲ 0.50% · 4.625%
HK$60,868
+HK$3,491/mo
Deposit HK$7.89M · loan HK$11.84M · min. income ≈ HK$114,754/mo (50% DSR)
Upfront cash ≈ HK$8.63M (deposit + AVD stamp duty HK$739,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,064
−HK$3,245/mo
▼ 0.25% · 3.875%
HK$61,675
−HK$1,634/mo
Today · 4.125%
HK$63,309
baseline
▲ 0.50% · 4.625%
HK$66,647
+HK$3,338/mo
Deposit HK$7.89M · loan HK$11.84M · min. income ≈ HK$126,618/mo (50% DSR)
Upfront cash ≈ HK$8.63M (deposit + AVD stamp duty HK$739,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,989
−HK$3,950/mo
▼ 0.25% · 3.875%
HK$64,949
−HK$1,990/mo
Today · 4.125%
HK$66,939
baseline
▲ 0.50% · 4.625%
HK$71,012
+HK$4,073/mo
Deposit HK$5.92M · loan HK$13.81M · min. income ≈ HK$133,878/mo (50% DSR)
Upfront cash ≈ HK$6.66M (deposit + AVD stamp duty HK$739,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,075
−HK$3,786/mo
▼ 0.25% · 3.875%
HK$71,954
−HK$1,907/mo
Today · 4.125%
HK$73,861
baseline
▲ 0.50% · 4.625%
HK$77,754
+HK$3,893/mo
Deposit HK$5.92M · loan HK$13.81M · min. income ≈ HK$147,722/mo (50% DSR)
Upfront cash ≈ HK$6.66M (deposit + AVD stamp duty HK$739,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,986
−HK$5,079/mo
▼ 0.25% · 3.875%
HK$83,506
−HK$2,559/mo
Today · 4.125%
HK$86,065
baseline
▲ 0.50% · 4.625%
HK$91,302
+HK$5,237/mo
Deposit HK$1.97M · loan HK$17.76M · min. income ≈ HK$172,130/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$739,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,097
−HK$4,867/mo
▼ 0.25% · 3.875%
HK$92,513
−HK$2,451/mo
Today · 4.125%
HK$94,964
baseline
▲ 0.50% · 4.625%
HK$99,970
+HK$5,006/mo
Deposit HK$1.97M · loan HK$17.76M · min. income ≈ HK$189,928/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$739,924 · Scale 2, in force from 26 Feb 2026)