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$44,691
−HK$2,802/mo
▼ 0.25% · 3.875%
HK$46,081
−HK$1,412/mo
Today · 4.125%
HK$47,493
baseline
▲ 0.50% · 4.625%
HK$50,383
+HK$2,890/mo
Deposit HK$9.80M · loan HK$9.80M · min. income ≈ HK$94,986/mo (50% DSR)
Upfront cash ≈ HK$10.53M (deposit + AVD stamp duty HK$734,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,718
−HK$2,686/mo
▼ 0.25% · 3.875%
HK$51,051
−HK$1,353/mo
Today · 4.125%
HK$52,404
baseline
▲ 0.50% · 4.625%
HK$55,166
+HK$2,762/mo
Deposit HK$9.80M · loan HK$9.80M · min. income ≈ HK$104,808/mo (50% DSR)
Upfront cash ≈ HK$10.53M (deposit + AVD stamp duty HK$734,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,629
−HK$3,363/mo
▼ 0.25% · 3.875%
HK$55,297
−HK$1,695/mo
Today · 4.125%
HK$56,992
baseline
▲ 0.50% · 4.625%
HK$60,459
+HK$3,467/mo
Deposit HK$7.84M · loan HK$11.76M · min. income ≈ HK$113,984/mo (50% DSR)
Upfront cash ≈ HK$8.57M (deposit + AVD stamp duty HK$734,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,661
−HK$3,224/mo
▼ 0.25% · 3.875%
HK$61,261
−HK$1,624/mo
Today · 4.125%
HK$62,885
baseline
▲ 0.50% · 4.625%
HK$66,199
+HK$3,314/mo
Deposit HK$7.84M · loan HK$11.76M · min. income ≈ HK$125,770/mo (50% DSR)
Upfront cash ≈ HK$8.57M (deposit + AVD stamp duty HK$734,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,567
−HK$3,923/mo
▼ 0.25% · 3.875%
HK$64,513
−HK$1,977/mo
Today · 4.125%
HK$66,490
baseline
▲ 0.50% · 4.625%
HK$70,536
+HK$4,046/mo
Deposit HK$5.88M · loan HK$13.72M · min. income ≈ HK$132,980/mo (50% DSR)
Upfront cash ≈ HK$6.61M (deposit + AVD stamp duty HK$734,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,605
−HK$3,760/mo
▼ 0.25% · 3.875%
HK$71,472
−HK$1,893/mo
Today · 4.125%
HK$73,365
baseline
▲ 0.50% · 4.625%
HK$77,233
+HK$3,868/mo
Deposit HK$5.88M · loan HK$13.72M · min. income ≈ HK$146,730/mo (50% DSR)
Upfront cash ≈ HK$6.61M (deposit + AVD stamp duty HK$734,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,443
−HK$5,045/mo
▼ 0.25% · 3.875%
HK$82,945
−HK$2,543/mo
Today · 4.125%
HK$85,488
baseline
▲ 0.50% · 4.625%
HK$90,689
+HK$5,201/mo
Deposit HK$1.96M · loan HK$17.64M · min. income ≈ HK$170,976/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$734,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,492
−HK$4,835/mo
▼ 0.25% · 3.875%
HK$91,892
−HK$2,435/mo
Today · 4.125%
HK$94,327
baseline
▲ 0.50% · 4.625%
HK$99,299
+HK$4,972/mo
Deposit HK$1.96M · loan HK$17.64M · min. income ≈ HK$188,654/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$734,960 · Scale 2, in force from 26 Feb 2026)