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$44,636
−HK$2,799/mo
▼ 0.25% · 3.875%
HK$46,025
−HK$1,410/mo
Today · 4.125%
HK$47,435
baseline
▲ 0.50% · 4.625%
HK$50,322
+HK$2,887/mo
Deposit HK$9.79M · loan HK$9.79M · min. income ≈ HK$94,870/mo (50% DSR)
Upfront cash ≈ HK$10.52M (deposit + AVD stamp duty HK$734,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,658
−HK$2,682/mo
▼ 0.25% · 3.875%
HK$50,989
−HK$1,351/mo
Today · 4.125%
HK$52,340
baseline
▲ 0.50% · 4.625%
HK$55,099
+HK$2,759/mo
Deposit HK$9.79M · loan HK$9.79M · min. income ≈ HK$104,680/mo (50% DSR)
Upfront cash ≈ HK$10.52M (deposit + AVD stamp duty HK$734,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,564
−HK$3,359/mo
▼ 0.25% · 3.875%
HK$55,230
−HK$1,693/mo
Today · 4.125%
HK$56,923
baseline
▲ 0.50% · 4.625%
HK$60,386
+HK$3,463/mo
Deposit HK$7.83M · loan HK$11.75M · min. income ≈ HK$113,846/mo (50% DSR)
Upfront cash ≈ HK$8.56M (deposit + AVD stamp duty HK$734,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,589
−HK$3,219/mo
▼ 0.25% · 3.875%
HK$61,187
−HK$1,621/mo
Today · 4.125%
HK$62,808
baseline
▲ 0.50% · 4.625%
HK$66,119
+HK$3,311/mo
Deposit HK$7.83M · loan HK$11.75M · min. income ≈ HK$125,616/mo (50% DSR)
Upfront cash ≈ HK$8.56M (deposit + AVD stamp duty HK$734,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,491
−HK$3,919/mo
▼ 0.25% · 3.875%
HK$64,435
−HK$1,975/mo
Today · 4.125%
HK$66,410
baseline
▲ 0.50% · 4.625%
HK$70,451
+HK$4,041/mo
Deposit HK$5.87M · loan HK$13.70M · min. income ≈ HK$132,820/mo (50% DSR)
Upfront cash ≈ HK$6.61M (deposit + AVD stamp duty HK$734,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,521
−HK$3,756/mo
▼ 0.25% · 3.875%
HK$71,385
−HK$1,892/mo
Today · 4.125%
HK$73,277
baseline
▲ 0.50% · 4.625%
HK$77,139
+HK$3,862/mo
Deposit HK$5.87M · loan HK$13.70M · min. income ≈ HK$146,554/mo (50% DSR)
Upfront cash ≈ HK$6.61M (deposit + AVD stamp duty HK$734,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,345
−HK$5,039/mo
▼ 0.25% · 3.875%
HK$82,845
−HK$2,539/mo
Today · 4.125%
HK$85,384
baseline
▲ 0.50% · 4.625%
HK$90,579
+HK$5,195/mo
Deposit HK$1.96M · loan HK$17.62M · min. income ≈ HK$170,768/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$734,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,384
−HK$4,829/mo
▼ 0.25% · 3.875%
HK$91,781
−HK$2,432/mo
Today · 4.125%
HK$94,213
baseline
▲ 0.50% · 4.625%
HK$99,179
+HK$4,966/mo
Deposit HK$1.96M · loan HK$17.62M · min. income ≈ HK$188,426/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$734,069 · Scale 2, in force from 26 Feb 2026)