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$44,995
−HK$2,822/mo
▼ 0.25% · 3.875%
HK$46,395
−HK$1,422/mo
Today · 4.125%
HK$47,817
baseline
▲ 0.50% · 4.625%
HK$50,726
+HK$2,909/mo
Deposit HK$9.87M · loan HK$9.87M · min. income ≈ HK$95,634/mo (50% DSR)
Upfront cash ≈ HK$10.61M (deposit + AVD stamp duty HK$739,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,057
−HK$2,704/mo
▼ 0.25% · 3.875%
HK$51,399
−HK$1,362/mo
Today · 4.125%
HK$52,761
baseline
▲ 0.50% · 4.625%
HK$55,542
+HK$2,781/mo
Deposit HK$9.87M · loan HK$9.87M · min. income ≈ HK$105,522/mo (50% DSR)
Upfront cash ≈ HK$10.61M (deposit + AVD stamp duty HK$739,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,994
−HK$3,386/mo
▼ 0.25% · 3.875%
HK$55,674
−HK$1,706/mo
Today · 4.125%
HK$57,380
baseline
▲ 0.50% · 4.625%
HK$60,872
+HK$3,492/mo
Deposit HK$7.89M · loan HK$11.84M · min. income ≈ HK$114,760/mo (50% DSR)
Upfront cash ≈ HK$8.63M (deposit + AVD stamp duty HK$739,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,068
−HK$3,245/mo
▼ 0.25% · 3.875%
HK$61,679
−HK$1,634/mo
Today · 4.125%
HK$63,313
baseline
▲ 0.50% · 4.625%
HK$66,651
+HK$3,338/mo
Deposit HK$7.89M · loan HK$11.84M · min. income ≈ HK$126,626/mo (50% DSR)
Upfront cash ≈ HK$8.63M (deposit + AVD stamp duty HK$739,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,993
−HK$3,951/mo
▼ 0.25% · 3.875%
HK$64,953
−HK$1,991/mo
Today · 4.125%
HK$66,944
baseline
▲ 0.50% · 4.625%
HK$71,017
+HK$4,073/mo
Deposit HK$5.92M · loan HK$13.81M · min. income ≈ HK$133,888/mo (50% DSR)
Upfront cash ≈ HK$6.66M (deposit + AVD stamp duty HK$739,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,080
−HK$3,786/mo
▼ 0.25% · 3.875%
HK$71,959
−HK$1,907/mo
Today · 4.125%
HK$73,866
baseline
▲ 0.50% · 4.625%
HK$77,759
+HK$3,893/mo
Deposit HK$5.92M · loan HK$13.81M · min. income ≈ HK$147,732/mo (50% DSR)
Upfront cash ≈ HK$6.66M (deposit + AVD stamp duty HK$739,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,991
−HK$5,079/mo
▼ 0.25% · 3.875%
HK$83,511
−HK$2,559/mo
Today · 4.125%
HK$86,070
baseline
▲ 0.50% · 4.625%
HK$91,308
+HK$5,238/mo
Deposit HK$1.97M · loan HK$17.76M · min. income ≈ HK$172,140/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$739,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,102
−HK$4,868/mo
▼ 0.25% · 3.875%
HK$92,519
−HK$2,451/mo
Today · 4.125%
HK$94,970
baseline
▲ 0.50% · 4.625%
HK$99,976
+HK$5,006/mo
Deposit HK$1.97M · loan HK$17.76M · min. income ≈ HK$189,940/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$739,971 · Scale 2, in force from 26 Feb 2026)