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$44,983
−HK$2,821/mo
▼ 0.25% · 3.875%
HK$46,382
−HK$1,422/mo
Today · 4.125%
HK$47,804
baseline
▲ 0.50% · 4.625%
HK$50,712
+HK$2,908/mo
Deposit HK$9.86M · loan HK$9.86M · min. income ≈ HK$95,608/mo (50% DSR)
Upfront cash ≈ HK$10.60M (deposit + AVD stamp duty HK$739,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,043
−HK$2,704/mo
▼ 0.25% · 3.875%
HK$51,385
−HK$1,362/mo
Today · 4.125%
HK$52,747
baseline
▲ 0.50% · 4.625%
HK$55,527
+HK$2,780/mo
Deposit HK$9.86M · loan HK$9.86M · min. income ≈ HK$105,494/mo (50% DSR)
Upfront cash ≈ HK$10.60M (deposit + AVD stamp duty HK$739,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,979
−HK$3,385/mo
▼ 0.25% · 3.875%
HK$55,659
−HK$1,705/mo
Today · 4.125%
HK$57,364
baseline
▲ 0.50% · 4.625%
HK$60,855
+HK$3,491/mo
Deposit HK$7.89M · loan HK$11.84M · min. income ≈ HK$114,728/mo (50% DSR)
Upfront cash ≈ HK$8.63M (deposit + AVD stamp duty HK$739,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,052
−HK$3,244/mo
▼ 0.25% · 3.875%
HK$61,662
−HK$1,634/mo
Today · 4.125%
HK$63,296
baseline
▲ 0.50% · 4.625%
HK$66,632
+HK$3,336/mo
Deposit HK$7.89M · loan HK$11.84M · min. income ≈ HK$126,592/mo (50% DSR)
Upfront cash ≈ HK$8.63M (deposit + AVD stamp duty HK$739,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,976
−HK$3,949/mo
▼ 0.25% · 3.875%
HK$64,935
−HK$1,990/mo
Today · 4.125%
HK$66,925
baseline
▲ 0.50% · 4.625%
HK$70,997
+HK$4,072/mo
Deposit HK$5.92M · loan HK$13.81M · min. income ≈ HK$133,850/mo (50% DSR)
Upfront cash ≈ HK$6.66M (deposit + AVD stamp duty HK$739,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,060
−HK$3,785/mo
▼ 0.25% · 3.875%
HK$71,939
−HK$1,906/mo
Today · 4.125%
HK$73,845
baseline
▲ 0.50% · 4.625%
HK$77,738
+HK$3,893/mo
Deposit HK$5.92M · loan HK$13.81M · min. income ≈ HK$147,690/mo (50% DSR)
Upfront cash ≈ HK$6.66M (deposit + AVD stamp duty HK$739,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,969
−HK$5,078/mo
▼ 0.25% · 3.875%
HK$83,488
−HK$2,559/mo
Today · 4.125%
HK$86,047
baseline
▲ 0.50% · 4.625%
HK$91,282
+HK$5,235/mo
Deposit HK$1.97M · loan HK$17.75M · min. income ≈ HK$172,094/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$739,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,077
−HK$4,867/mo
▼ 0.25% · 3.875%
HK$92,493
−HK$2,451/mo
Today · 4.125%
HK$94,944
baseline
▲ 0.50% · 4.625%
HK$99,949
+HK$5,005/mo
Deposit HK$1.97M · loan HK$17.75M · min. income ≈ HK$189,888/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$739,767 · Scale 2, in force from 26 Feb 2026)