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$44,687
−HK$2,802/mo
▼ 0.25% · 3.875%
HK$46,077
−HK$1,412/mo
Today · 4.125%
HK$47,489
baseline
▲ 0.50% · 4.625%
HK$50,379
+HK$2,890/mo
Deposit HK$9.80M · loan HK$9.80M · min. income ≈ HK$94,978/mo (50% DSR)
Upfront cash ≈ HK$10.53M (deposit + AVD stamp duty HK$734,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,714
−HK$2,686/mo
▼ 0.25% · 3.875%
HK$51,047
−HK$1,353/mo
Today · 4.125%
HK$52,400
baseline
▲ 0.50% · 4.625%
HK$55,162
+HK$2,762/mo
Deposit HK$9.80M · loan HK$9.80M · min. income ≈ HK$104,800/mo (50% DSR)
Upfront cash ≈ HK$10.53M (deposit + AVD stamp duty HK$734,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,624
−HK$3,363/mo
▼ 0.25% · 3.875%
HK$55,293
−HK$1,694/mo
Today · 4.125%
HK$56,987
baseline
▲ 0.50% · 4.625%
HK$60,455
+HK$3,468/mo
Deposit HK$7.84M · loan HK$11.76M · min. income ≈ HK$113,974/mo (50% DSR)
Upfront cash ≈ HK$8.57M (deposit + AVD stamp duty HK$734,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,657
−HK$3,223/mo
▼ 0.25% · 3.875%
HK$61,257
−HK$1,623/mo
Today · 4.125%
HK$62,880
baseline
▲ 0.50% · 4.625%
HK$66,194
+HK$3,314/mo
Deposit HK$7.84M · loan HK$11.76M · min. income ≈ HK$125,760/mo (50% DSR)
Upfront cash ≈ HK$8.57M (deposit + AVD stamp duty HK$734,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,562
−HK$3,923/mo
▼ 0.25% · 3.875%
HK$64,508
−HK$1,977/mo
Today · 4.125%
HK$66,485
baseline
▲ 0.50% · 4.625%
HK$70,531
+HK$4,046/mo
Deposit HK$5.88M · loan HK$13.72M · min. income ≈ HK$132,970/mo (50% DSR)
Upfront cash ≈ HK$6.61M (deposit + AVD stamp duty HK$734,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,599
−HK$3,761/mo
▼ 0.25% · 3.875%
HK$71,466
−HK$1,894/mo
Today · 4.125%
HK$73,360
baseline
▲ 0.50% · 4.625%
HK$77,227
+HK$3,867/mo
Deposit HK$5.88M · loan HK$13.72M · min. income ≈ HK$146,720/mo (50% DSR)
Upfront cash ≈ HK$6.61M (deposit + AVD stamp duty HK$734,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,437
−HK$5,044/mo
▼ 0.25% · 3.875%
HK$82,939
−HK$2,542/mo
Today · 4.125%
HK$85,481
baseline
▲ 0.50% · 4.625%
HK$90,682
+HK$5,201/mo
Deposit HK$1.96M · loan HK$17.64M · min. income ≈ HK$170,962/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$734,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,485
−HK$4,835/mo
▼ 0.25% · 3.875%
HK$91,885
−HK$2,435/mo
Today · 4.125%
HK$94,320
baseline
▲ 0.50% · 4.625%
HK$99,291
+HK$4,971/mo
Deposit HK$1.96M · loan HK$17.64M · min. income ≈ HK$188,640/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$734,903 · Scale 2, in force from 26 Feb 2026)