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$44,987
−HK$2,821/mo
▼ 0.25% · 3.875%
HK$46,386
−HK$1,422/mo
Today · 4.125%
HK$47,808
baseline
▲ 0.50% · 4.625%
HK$50,717
+HK$2,909/mo
Deposit HK$9.86M · loan HK$9.86M · min. income ≈ HK$95,616/mo (50% DSR)
Upfront cash ≈ HK$10.60M (deposit + AVD stamp duty HK$739,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,047
−HK$2,704/mo
▼ 0.25% · 3.875%
HK$51,389
−HK$1,362/mo
Today · 4.125%
HK$52,751
baseline
▲ 0.50% · 4.625%
HK$55,532
+HK$2,781/mo
Deposit HK$9.86M · loan HK$9.86M · min. income ≈ HK$105,502/mo (50% DSR)
Upfront cash ≈ HK$10.60M (deposit + AVD stamp duty HK$739,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,984
−HK$3,385/mo
▼ 0.25% · 3.875%
HK$55,663
−HK$1,706/mo
Today · 4.125%
HK$57,369
baseline
▲ 0.50% · 4.625%
HK$60,860
+HK$3,491/mo
Deposit HK$7.89M · loan HK$11.84M · min. income ≈ HK$114,738/mo (50% DSR)
Upfront cash ≈ HK$8.63M (deposit + AVD stamp duty HK$739,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,057
−HK$3,244/mo
▼ 0.25% · 3.875%
HK$61,667
−HK$1,634/mo
Today · 4.125%
HK$63,301
baseline
▲ 0.50% · 4.625%
HK$66,638
+HK$3,337/mo
Deposit HK$7.89M · loan HK$11.84M · min. income ≈ HK$126,602/mo (50% DSR)
Upfront cash ≈ HK$8.63M (deposit + AVD stamp duty HK$739,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,981
−HK$3,950/mo
▼ 0.25% · 3.875%
HK$64,940
−HK$1,991/mo
Today · 4.125%
HK$66,931
baseline
▲ 0.50% · 4.625%
HK$71,003
+HK$4,072/mo
Deposit HK$5.92M · loan HK$13.81M · min. income ≈ HK$133,862/mo (50% DSR)
Upfront cash ≈ HK$6.66M (deposit + AVD stamp duty HK$739,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,066
−HK$3,786/mo
▼ 0.25% · 3.875%
HK$71,945
−HK$1,907/mo
Today · 4.125%
HK$73,852
baseline
▲ 0.50% · 4.625%
HK$77,744
+HK$3,892/mo
Deposit HK$5.92M · loan HK$13.81M · min. income ≈ HK$147,704/mo (50% DSR)
Upfront cash ≈ HK$6.66M (deposit + AVD stamp duty HK$739,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,976
−HK$5,078/mo
▼ 0.25% · 3.875%
HK$83,495
−HK$2,559/mo
Today · 4.125%
HK$86,054
baseline
▲ 0.50% · 4.625%
HK$91,290
+HK$5,236/mo
Deposit HK$1.97M · loan HK$17.76M · min. income ≈ HK$172,108/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$739,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,085
−HK$4,867/mo
▼ 0.25% · 3.875%
HK$92,501
−HK$2,451/mo
Today · 4.125%
HK$94,952
baseline
▲ 0.50% · 4.625%
HK$99,957
+HK$5,005/mo
Deposit HK$1.97M · loan HK$17.76M · min. income ≈ HK$189,904/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$739,830 · Scale 2, in force from 26 Feb 2026)