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$44,984
−HK$2,821/mo
▼ 0.25% · 3.875%
HK$46,383
−HK$1,422/mo
Today · 4.125%
HK$47,805
baseline
▲ 0.50% · 4.625%
HK$50,714
+HK$2,909/mo
Deposit HK$9.86M · loan HK$9.86M · min. income ≈ HK$95,610/mo (50% DSR)
Upfront cash ≈ HK$10.60M (deposit + AVD stamp duty HK$739,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,045
−HK$2,703/mo
▼ 0.25% · 3.875%
HK$51,387
−HK$1,361/mo
Today · 4.125%
HK$52,748
baseline
▲ 0.50% · 4.625%
HK$55,529
+HK$2,781/mo
Deposit HK$9.86M · loan HK$9.86M · min. income ≈ HK$105,496/mo (50% DSR)
Upfront cash ≈ HK$10.60M (deposit + AVD stamp duty HK$739,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,981
−HK$3,385/mo
▼ 0.25% · 3.875%
HK$55,660
−HK$1,706/mo
Today · 4.125%
HK$57,366
baseline
▲ 0.50% · 4.625%
HK$60,857
+HK$3,491/mo
Deposit HK$7.89M · loan HK$11.84M · min. income ≈ HK$114,732/mo (50% DSR)
Upfront cash ≈ HK$8.63M (deposit + AVD stamp duty HK$739,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,053
−HK$3,245/mo
▼ 0.25% · 3.875%
HK$61,664
−HK$1,634/mo
Today · 4.125%
HK$63,298
baseline
▲ 0.50% · 4.625%
HK$66,634
+HK$3,336/mo
Deposit HK$7.89M · loan HK$11.84M · min. income ≈ HK$126,596/mo (50% DSR)
Upfront cash ≈ HK$8.63M (deposit + AVD stamp duty HK$739,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,978
−HK$3,949/mo
▼ 0.25% · 3.875%
HK$64,937
−HK$1,990/mo
Today · 4.125%
HK$66,927
baseline
▲ 0.50% · 4.625%
HK$71,000
+HK$4,073/mo
Deposit HK$5.92M · loan HK$13.81M · min. income ≈ HK$133,854/mo (50% DSR)
Upfront cash ≈ HK$6.66M (deposit + AVD stamp duty HK$739,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,062
−HK$3,786/mo
▼ 0.25% · 3.875%
HK$71,941
−HK$1,907/mo
Today · 4.125%
HK$73,848
baseline
▲ 0.50% · 4.625%
HK$77,740
+HK$3,892/mo
Deposit HK$5.92M · loan HK$13.81M · min. income ≈ HK$147,696/mo (50% DSR)
Upfront cash ≈ HK$6.66M (deposit + AVD stamp duty HK$739,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,972
−HK$5,077/mo
▼ 0.25% · 3.875%
HK$83,490
−HK$2,559/mo
Today · 4.125%
HK$86,049
baseline
▲ 0.50% · 4.625%
HK$91,285
+HK$5,236/mo
Deposit HK$1.97M · loan HK$17.75M · min. income ≈ HK$172,098/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$739,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,080
−HK$4,867/mo
▼ 0.25% · 3.875%
HK$92,496
−HK$2,451/mo
Today · 4.125%
HK$94,947
baseline
▲ 0.50% · 4.625%
HK$99,952
+HK$5,005/mo
Deposit HK$1.97M · loan HK$17.75M · min. income ≈ HK$189,894/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$739,790 · Scale 2, in force from 26 Feb 2026)