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$44,584
−HK$2,796/mo
▼ 0.25% · 3.875%
HK$45,971
−HK$1,409/mo
Today · 4.125%
HK$47,380
baseline
▲ 0.50% · 4.625%
HK$50,263
+HK$2,883/mo
Deposit HK$9.78M · loan HK$9.78M · min. income ≈ HK$94,760/mo (50% DSR)
Upfront cash ≈ HK$10.51M (deposit + AVD stamp duty HK$733,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,599
−HK$2,680/mo
▼ 0.25% · 3.875%
HK$50,930
−HK$1,349/mo
Today · 4.125%
HK$52,279
baseline
▲ 0.50% · 4.625%
HK$55,035
+HK$2,756/mo
Deposit HK$9.78M · loan HK$9.78M · min. income ≈ HK$104,558/mo (50% DSR)
Upfront cash ≈ HK$10.51M (deposit + AVD stamp duty HK$733,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,501
−HK$3,355/mo
▼ 0.25% · 3.875%
HK$55,165
−HK$1,691/mo
Today · 4.125%
HK$56,856
baseline
▲ 0.50% · 4.625%
HK$60,315
+HK$3,459/mo
Deposit HK$7.82M · loan HK$11.73M · min. income ≈ HK$113,712/mo (50% DSR)
Upfront cash ≈ HK$8.55M (deposit + AVD stamp duty HK$733,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,519
−HK$3,216/mo
▼ 0.25% · 3.875%
HK$61,115
−HK$1,620/mo
Today · 4.125%
HK$62,735
baseline
▲ 0.50% · 4.625%
HK$66,042
+HK$3,307/mo
Deposit HK$7.82M · loan HK$11.73M · min. income ≈ HK$125,470/mo (50% DSR)
Upfront cash ≈ HK$8.55M (deposit + AVD stamp duty HK$733,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,418
−HK$3,914/mo
▼ 0.25% · 3.875%
HK$64,359
−HK$1,973/mo
Today · 4.125%
HK$66,332
baseline
▲ 0.50% · 4.625%
HK$70,368
+HK$4,036/mo
Deposit HK$5.87M · loan HK$13.69M · min. income ≈ HK$132,664/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$733,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,439
−HK$3,752/mo
▼ 0.25% · 3.875%
HK$71,301
−HK$1,890/mo
Today · 4.125%
HK$73,191
baseline
▲ 0.50% · 4.625%
HK$77,049
+HK$3,858/mo
Deposit HK$5.87M · loan HK$13.69M · min. income ≈ HK$146,382/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$733,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,251
−HK$5,033/mo
▼ 0.25% · 3.875%
HK$82,748
−HK$2,536/mo
Today · 4.125%
HK$85,284
baseline
▲ 0.50% · 4.625%
HK$90,473
+HK$5,189/mo
Deposit HK$1.96M · loan HK$17.60M · min. income ≈ HK$170,568/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$733,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,279
−HK$4,823/mo
▼ 0.25% · 3.875%
HK$91,673
−HK$2,429/mo
Today · 4.125%
HK$94,102
baseline
▲ 0.50% · 4.625%
HK$99,062
+HK$4,960/mo
Deposit HK$1.96M · loan HK$17.60M · min. income ≈ HK$188,204/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$733,208 · Scale 2, in force from 26 Feb 2026)