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$44,938
−HK$2,818/mo
▼ 0.25% · 3.875%
HK$46,336
−HK$1,420/mo
Today · 4.125%
HK$47,756
baseline
▲ 0.50% · 4.625%
HK$50,662
+HK$2,906/mo
Deposit HK$9.85M · loan HK$9.85M · min. income ≈ HK$95,512/mo (50% DSR)
Upfront cash ≈ HK$10.59M (deposit + AVD stamp duty HK$739,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,993
−HK$2,701/mo
▼ 0.25% · 3.875%
HK$51,334
−HK$1,360/mo
Today · 4.125%
HK$52,694
baseline
▲ 0.50% · 4.625%
HK$55,471
+HK$2,777/mo
Deposit HK$9.85M · loan HK$9.85M · min. income ≈ HK$105,388/mo (50% DSR)
Upfront cash ≈ HK$10.59M (deposit + AVD stamp duty HK$739,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,925
−HK$3,382/mo
▼ 0.25% · 3.875%
HK$55,603
−HK$1,704/mo
Today · 4.125%
HK$57,307
baseline
▲ 0.50% · 4.625%
HK$60,794
+HK$3,487/mo
Deposit HK$7.88M · loan HK$11.82M · min. income ≈ HK$114,614/mo (50% DSR)
Upfront cash ≈ HK$8.62M (deposit + AVD stamp duty HK$739,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,991
−HK$3,241/mo
▼ 0.25% · 3.875%
HK$61,600
−HK$1,632/mo
Today · 4.125%
HK$63,232
baseline
▲ 0.50% · 4.625%
HK$66,566
+HK$3,334/mo
Deposit HK$7.88M · loan HK$11.82M · min. income ≈ HK$126,464/mo (50% DSR)
Upfront cash ≈ HK$8.62M (deposit + AVD stamp duty HK$739,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,913
−HK$3,945/mo
▼ 0.25% · 3.875%
HK$64,870
−HK$1,988/mo
Today · 4.125%
HK$66,858
baseline
▲ 0.50% · 4.625%
HK$70,926
+HK$4,068/mo
Deposit HK$5.91M · loan HK$13.80M · min. income ≈ HK$133,716/mo (50% DSR)
Upfront cash ≈ HK$6.65M (deposit + AVD stamp duty HK$739,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,990
−HK$3,781/mo
▼ 0.25% · 3.875%
HK$71,867
−HK$1,904/mo
Today · 4.125%
HK$73,771
baseline
▲ 0.50% · 4.625%
HK$77,660
+HK$3,889/mo
Deposit HK$5.91M · loan HK$13.80M · min. income ≈ HK$147,542/mo (50% DSR)
Upfront cash ≈ HK$6.65M (deposit + AVD stamp duty HK$739,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,888
−HK$5,072/mo
▼ 0.25% · 3.875%
HK$83,404
−HK$2,556/mo
Today · 4.125%
HK$85,960
baseline
▲ 0.50% · 4.625%
HK$91,191
+HK$5,231/mo
Deposit HK$1.97M · loan HK$17.74M · min. income ≈ HK$171,920/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$739,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,987
−HK$4,862/mo
▼ 0.25% · 3.875%
HK$92,400
−HK$2,449/mo
Today · 4.125%
HK$94,849
baseline
▲ 0.50% · 4.625%
HK$99,848
+HK$4,999/mo
Deposit HK$1.97M · loan HK$17.74M · min. income ≈ HK$189,698/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$739,025 · Scale 2, in force from 26 Feb 2026)