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$44,655
−HK$2,801/mo
▼ 0.25% · 3.875%
HK$46,044
−HK$1,412/mo
Today · 4.125%
HK$47,456
baseline
▲ 0.50% · 4.625%
HK$50,343
+HK$2,887/mo
Deposit HK$9.79M · loan HK$9.79M · min. income ≈ HK$94,912/mo (50% DSR)
Upfront cash ≈ HK$10.53M (deposit + AVD stamp duty HK$734,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,679
−HK$2,684/mo
▼ 0.25% · 3.875%
HK$51,011
−HK$1,352/mo
Today · 4.125%
HK$52,363
baseline
▲ 0.50% · 4.625%
HK$55,123
+HK$2,760/mo
Deposit HK$9.79M · loan HK$9.79M · min. income ≈ HK$104,726/mo (50% DSR)
Upfront cash ≈ HK$10.53M (deposit + AVD stamp duty HK$734,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,587
−HK$3,360/mo
▼ 0.25% · 3.875%
HK$55,253
−HK$1,694/mo
Today · 4.125%
HK$56,947
baseline
▲ 0.50% · 4.625%
HK$60,412
+HK$3,465/mo
Deposit HK$7.83M · loan HK$11.75M · min. income ≈ HK$113,894/mo (50% DSR)
Upfront cash ≈ HK$8.57M (deposit + AVD stamp duty HK$734,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,614
−HK$3,221/mo
▼ 0.25% · 3.875%
HK$61,213
−HK$1,622/mo
Today · 4.125%
HK$62,835
baseline
▲ 0.50% · 4.625%
HK$66,147
+HK$3,312/mo
Deposit HK$7.83M · loan HK$11.75M · min. income ≈ HK$125,670/mo (50% DSR)
Upfront cash ≈ HK$8.57M (deposit + AVD stamp duty HK$734,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,518
−HK$3,920/mo
▼ 0.25% · 3.875%
HK$64,462
−HK$1,976/mo
Today · 4.125%
HK$66,438
baseline
▲ 0.50% · 4.625%
HK$70,481
+HK$4,043/mo
Deposit HK$5.88M · loan HK$13.71M · min. income ≈ HK$132,876/mo (50% DSR)
Upfront cash ≈ HK$6.61M (deposit + AVD stamp duty HK$734,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,550
−HK$3,758/mo
▼ 0.25% · 3.875%
HK$71,416
−HK$1,892/mo
Today · 4.125%
HK$73,308
baseline
▲ 0.50% · 4.625%
HK$77,172
+HK$3,864/mo
Deposit HK$5.88M · loan HK$13.71M · min. income ≈ HK$146,616/mo (50% DSR)
Upfront cash ≈ HK$6.61M (deposit + AVD stamp duty HK$734,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,380
−HK$5,040/mo
▼ 0.25% · 3.875%
HK$82,880
−HK$2,540/mo
Today · 4.125%
HK$85,420
baseline
▲ 0.50% · 4.625%
HK$90,618
+HK$5,198/mo
Deposit HK$1.96M · loan HK$17.63M · min. income ≈ HK$170,840/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$734,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,422
−HK$4,831/mo
▼ 0.25% · 3.875%
HK$91,820
−HK$2,433/mo
Today · 4.125%
HK$94,253
baseline
▲ 0.50% · 4.625%
HK$99,221
+HK$4,968/mo
Deposit HK$1.96M · loan HK$17.63M · min. income ≈ HK$188,506/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$734,383 · Scale 2, in force from 26 Feb 2026)