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$44,501
−HK$2,791/mo
▼ 0.25% · 3.875%
HK$45,886
−HK$1,406/mo
Today · 4.125%
HK$47,292
baseline
▲ 0.50% · 4.625%
HK$50,170
+HK$2,878/mo
Deposit HK$9.76M · loan HK$9.76M · min. income ≈ HK$94,584/mo (50% DSR)
Upfront cash ≈ HK$10.49M (deposit + AVD stamp duty HK$731,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,507
−HK$2,675/mo
▼ 0.25% · 3.875%
HK$50,835
−HK$1,347/mo
Today · 4.125%
HK$52,182
baseline
▲ 0.50% · 4.625%
HK$54,933
+HK$2,751/mo
Deposit HK$9.76M · loan HK$9.76M · min. income ≈ HK$104,364/mo (50% DSR)
Upfront cash ≈ HK$10.49M (deposit + AVD stamp duty HK$731,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,402
−HK$3,348/mo
▼ 0.25% · 3.875%
HK$55,063
−HK$1,687/mo
Today · 4.125%
HK$56,750
baseline
▲ 0.50% · 4.625%
HK$60,203
+HK$3,453/mo
Deposit HK$7.81M · loan HK$11.71M · min. income ≈ HK$113,500/mo (50% DSR)
Upfront cash ≈ HK$8.54M (deposit + AVD stamp duty HK$731,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,409
−HK$3,209/mo
▼ 0.25% · 3.875%
HK$61,002
−HK$1,616/mo
Today · 4.125%
HK$62,618
baseline
▲ 0.50% · 4.625%
HK$65,919
+HK$3,301/mo
Deposit HK$7.81M · loan HK$11.71M · min. income ≈ HK$125,236/mo (50% DSR)
Upfront cash ≈ HK$8.54M (deposit + AVD stamp duty HK$731,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,302
−HK$3,907/mo
▼ 0.25% · 3.875%
HK$64,240
−HK$1,969/mo
Today · 4.125%
HK$66,209
baseline
▲ 0.50% · 4.625%
HK$70,237
+HK$4,028/mo
Deposit HK$5.85M · loan HK$13.66M · min. income ≈ HK$132,418/mo (50% DSR)
Upfront cash ≈ HK$6.59M (deposit + AVD stamp duty HK$731,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,310
−HK$3,745/mo
▼ 0.25% · 3.875%
HK$71,169
−HK$1,886/mo
Today · 4.125%
HK$73,055
baseline
▲ 0.50% · 4.625%
HK$76,906
+HK$3,851/mo
Deposit HK$5.85M · loan HK$13.66M · min. income ≈ HK$146,110/mo (50% DSR)
Upfront cash ≈ HK$6.59M (deposit + AVD stamp duty HK$731,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,102
−HK$5,024/mo
▼ 0.25% · 3.875%
HK$82,594
−HK$2,532/mo
Today · 4.125%
HK$85,126
baseline
▲ 0.50% · 4.625%
HK$90,305
+HK$5,179/mo
Deposit HK$1.95M · loan HK$17.56M · min. income ≈ HK$170,252/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$731,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,113
−HK$4,815/mo
▼ 0.25% · 3.875%
HK$91,503
−HK$2,425/mo
Today · 4.125%
HK$93,928
baseline
▲ 0.50% · 4.625%
HK$98,879
+HK$4,951/mo
Deposit HK$1.95M · loan HK$17.56M · min. income ≈ HK$187,856/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$731,848 · Scale 2, in force from 26 Feb 2026)