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$44,963
−HK$2,819/mo
▼ 0.25% · 3.875%
HK$46,361
−HK$1,421/mo
Today · 4.125%
HK$47,782
baseline
▲ 0.50% · 4.625%
HK$50,690
+HK$2,908/mo
Deposit HK$9.86M · loan HK$9.86M · min. income ≈ HK$95,564/mo (50% DSR)
Upfront cash ≈ HK$10.60M (deposit + AVD stamp duty HK$739,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,020
−HK$2,703/mo
▼ 0.25% · 3.875%
HK$51,362
−HK$1,361/mo
Today · 4.125%
HK$52,723
baseline
▲ 0.50% · 4.625%
HK$55,502
+HK$2,779/mo
Deposit HK$9.86M · loan HK$9.86M · min. income ≈ HK$105,446/mo (50% DSR)
Upfront cash ≈ HK$10.60M (deposit + AVD stamp duty HK$739,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,955
−HK$3,384/mo
▼ 0.25% · 3.875%
HK$55,633
−HK$1,706/mo
Today · 4.125%
HK$57,339
baseline
▲ 0.50% · 4.625%
HK$60,827
+HK$3,488/mo
Deposit HK$7.89M · loan HK$11.83M · min. income ≈ HK$114,678/mo (50% DSR)
Upfront cash ≈ HK$8.63M (deposit + AVD stamp duty HK$739,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,025
−HK$3,242/mo
▼ 0.25% · 3.875%
HK$61,634
−HK$1,633/mo
Today · 4.125%
HK$63,267
baseline
▲ 0.50% · 4.625%
HK$66,602
+HK$3,335/mo
Deposit HK$7.89M · loan HK$11.83M · min. income ≈ HK$126,534/mo (50% DSR)
Upfront cash ≈ HK$8.63M (deposit + AVD stamp duty HK$739,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,948
−HK$3,947/mo
▼ 0.25% · 3.875%
HK$64,906
−HK$1,989/mo
Today · 4.125%
HK$66,895
baseline
▲ 0.50% · 4.625%
HK$70,965
+HK$4,070/mo
Deposit HK$5.92M · loan HK$13.80M · min. income ≈ HK$133,790/mo (50% DSR)
Upfront cash ≈ HK$6.65M (deposit + AVD stamp duty HK$739,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,029
−HK$3,783/mo
▼ 0.25% · 3.875%
HK$71,907
−HK$1,905/mo
Today · 4.125%
HK$73,812
baseline
▲ 0.50% · 4.625%
HK$77,703
+HK$3,891/mo
Deposit HK$5.92M · loan HK$13.80M · min. income ≈ HK$147,624/mo (50% DSR)
Upfront cash ≈ HK$6.65M (deposit + AVD stamp duty HK$739,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,933
−HK$5,075/mo
▼ 0.25% · 3.875%
HK$83,450
−HK$2,558/mo
Today · 4.125%
HK$86,008
baseline
▲ 0.50% · 4.625%
HK$91,241
+HK$5,233/mo
Deposit HK$1.97M · loan HK$17.75M · min. income ≈ HK$172,016/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$739,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,037
−HK$4,864/mo
▼ 0.25% · 3.875%
HK$92,452
−HK$2,449/mo
Today · 4.125%
HK$94,901
baseline
▲ 0.50% · 4.625%
HK$99,904
+HK$5,003/mo
Deposit HK$1.97M · loan HK$17.75M · min. income ≈ HK$189,802/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$739,434 · Scale 2, in force from 26 Feb 2026)