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$44,953
−HK$2,819/mo
▼ 0.25% · 3.875%
HK$46,352
−HK$1,420/mo
Today · 4.125%
HK$47,772
baseline
▲ 0.50% · 4.625%
HK$50,679
+HK$2,907/mo
Deposit HK$9.86M · loan HK$9.86M · min. income ≈ HK$95,544/mo (50% DSR)
Upfront cash ≈ HK$10.60M (deposit + AVD stamp duty HK$739,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,010
−HK$2,702/mo
▼ 0.25% · 3.875%
HK$51,351
−HK$1,361/mo
Today · 4.125%
HK$52,712
baseline
▲ 0.50% · 4.625%
HK$55,490
+HK$2,778/mo
Deposit HK$9.86M · loan HK$9.86M · min. income ≈ HK$105,424/mo (50% DSR)
Upfront cash ≈ HK$10.60M (deposit + AVD stamp duty HK$739,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,944
−HK$3,383/mo
▼ 0.25% · 3.875%
HK$55,622
−HK$1,705/mo
Today · 4.125%
HK$57,327
baseline
▲ 0.50% · 4.625%
HK$60,815
+HK$3,488/mo
Deposit HK$7.89M · loan HK$11.83M · min. income ≈ HK$114,654/mo (50% DSR)
Upfront cash ≈ HK$8.62M (deposit + AVD stamp duty HK$739,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,012
−HK$3,242/mo
▼ 0.25% · 3.875%
HK$61,622
−HK$1,632/mo
Today · 4.125%
HK$63,254
baseline
▲ 0.50% · 4.625%
HK$66,589
+HK$3,335/mo
Deposit HK$7.89M · loan HK$11.83M · min. income ≈ HK$126,508/mo (50% DSR)
Upfront cash ≈ HK$8.62M (deposit + AVD stamp duty HK$739,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,935
−HK$3,946/mo
▼ 0.25% · 3.875%
HK$64,892
−HK$1,989/mo
Today · 4.125%
HK$66,881
baseline
▲ 0.50% · 4.625%
HK$70,951
+HK$4,070/mo
Deposit HK$5.91M · loan HK$13.80M · min. income ≈ HK$133,762/mo (50% DSR)
Upfront cash ≈ HK$6.65M (deposit + AVD stamp duty HK$739,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,014
−HK$3,783/mo
▼ 0.25% · 3.875%
HK$71,892
−HK$1,905/mo
Today · 4.125%
HK$73,797
baseline
▲ 0.50% · 4.625%
HK$77,687
+HK$3,890/mo
Deposit HK$5.91M · loan HK$13.80M · min. income ≈ HK$147,594/mo (50% DSR)
Upfront cash ≈ HK$6.65M (deposit + AVD stamp duty HK$739,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,916
−HK$5,074/mo
▼ 0.25% · 3.875%
HK$83,433
−HK$2,557/mo
Today · 4.125%
HK$85,990
baseline
▲ 0.50% · 4.625%
HK$91,222
+HK$5,232/mo
Deposit HK$1.97M · loan HK$17.74M · min. income ≈ HK$171,980/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$739,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,018
−HK$4,863/mo
▼ 0.25% · 3.875%
HK$92,432
−HK$2,449/mo
Today · 4.125%
HK$94,881
baseline
▲ 0.50% · 4.625%
HK$99,883
+HK$5,002/mo
Deposit HK$1.97M · loan HK$17.74M · min. income ≈ HK$189,762/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$739,280 · Scale 2, in force from 26 Feb 2026)