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$44,991
−HK$2,821/mo
▼ 0.25% · 3.875%
HK$46,391
−HK$1,421/mo
Today · 4.125%
HK$47,812
baseline
▲ 0.50% · 4.625%
HK$50,722
+HK$2,910/mo
Deposit HK$9.87M · loan HK$9.87M · min. income ≈ HK$95,624/mo (50% DSR)
Upfront cash ≈ HK$10.61M (deposit + AVD stamp duty HK$739,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,052
−HK$2,704/mo
▼ 0.25% · 3.875%
HK$51,394
−HK$1,362/mo
Today · 4.125%
HK$52,756
baseline
▲ 0.50% · 4.625%
HK$55,537
+HK$2,781/mo
Deposit HK$9.87M · loan HK$9.87M · min. income ≈ HK$105,512/mo (50% DSR)
Upfront cash ≈ HK$10.61M (deposit + AVD stamp duty HK$739,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,989
−HK$3,386/mo
▼ 0.25% · 3.875%
HK$55,669
−HK$1,706/mo
Today · 4.125%
HK$57,375
baseline
▲ 0.50% · 4.625%
HK$60,866
+HK$3,491/mo
Deposit HK$7.89M · loan HK$11.84M · min. income ≈ HK$114,750/mo (50% DSR)
Upfront cash ≈ HK$8.63M (deposit + AVD stamp duty HK$739,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,063
−HK$3,244/mo
▼ 0.25% · 3.875%
HK$61,673
−HK$1,634/mo
Today · 4.125%
HK$63,307
baseline
▲ 0.50% · 4.625%
HK$66,645
+HK$3,338/mo
Deposit HK$7.89M · loan HK$11.84M · min. income ≈ HK$126,614/mo (50% DSR)
Upfront cash ≈ HK$8.63M (deposit + AVD stamp duty HK$739,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,987
−HK$3,950/mo
▼ 0.25% · 3.875%
HK$64,947
−HK$1,990/mo
Today · 4.125%
HK$66,937
baseline
▲ 0.50% · 4.625%
HK$71,010
+HK$4,073/mo
Deposit HK$5.92M · loan HK$13.81M · min. income ≈ HK$133,874/mo (50% DSR)
Upfront cash ≈ HK$6.66M (deposit + AVD stamp duty HK$739,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,073
−HK$3,786/mo
▼ 0.25% · 3.875%
HK$71,952
−HK$1,907/mo
Today · 4.125%
HK$73,859
baseline
▲ 0.50% · 4.625%
HK$77,752
+HK$3,893/mo
Deposit HK$5.92M · loan HK$13.81M · min. income ≈ HK$147,718/mo (50% DSR)
Upfront cash ≈ HK$6.66M (deposit + AVD stamp duty HK$739,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,984
−HK$5,078/mo
▼ 0.25% · 3.875%
HK$83,503
−HK$2,559/mo
Today · 4.125%
HK$86,062
baseline
▲ 0.50% · 4.625%
HK$91,299
+HK$5,237/mo
Deposit HK$1.97M · loan HK$17.76M · min. income ≈ HK$172,124/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$739,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,094
−HK$4,867/mo
▼ 0.25% · 3.875%
HK$92,510
−HK$2,451/mo
Today · 4.125%
HK$94,961
baseline
▲ 0.50% · 4.625%
HK$99,967
+HK$5,006/mo
Deposit HK$1.97M · loan HK$17.76M · min. income ≈ HK$189,922/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$739,902 · Scale 2, in force from 26 Feb 2026)