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$44,632
−HK$2,798/mo
▼ 0.25% · 3.875%
HK$46,020
−HK$1,410/mo
Today · 4.125%
HK$47,430
baseline
▲ 0.50% · 4.625%
HK$50,316
+HK$2,886/mo
Deposit HK$9.79M · loan HK$9.79M · min. income ≈ HK$94,860/mo (50% DSR)
Upfront cash ≈ HK$10.52M (deposit + AVD stamp duty HK$733,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,652
−HK$2,683/mo
▼ 0.25% · 3.875%
HK$50,984
−HK$1,351/mo
Today · 4.125%
HK$52,335
baseline
▲ 0.50% · 4.625%
HK$55,093
+HK$2,758/mo
Deposit HK$9.79M · loan HK$9.79M · min. income ≈ HK$104,670/mo (50% DSR)
Upfront cash ≈ HK$10.52M (deposit + AVD stamp duty HK$733,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,558
−HK$3,358/mo
▼ 0.25% · 3.875%
HK$55,224
−HK$1,692/mo
Today · 4.125%
HK$56,916
baseline
▲ 0.50% · 4.625%
HK$60,380
+HK$3,464/mo
Deposit HK$7.83M · loan HK$11.74M · min. income ≈ HK$113,832/mo (50% DSR)
Upfront cash ≈ HK$8.56M (deposit + AVD stamp duty HK$733,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,583
−HK$3,219/mo
▼ 0.25% · 3.875%
HK$61,181
−HK$1,621/mo
Today · 4.125%
HK$62,802
baseline
▲ 0.50% · 4.625%
HK$66,112
+HK$3,310/mo
Deposit HK$7.83M · loan HK$11.74M · min. income ≈ HK$125,604/mo (50% DSR)
Upfront cash ≈ HK$8.56M (deposit + AVD stamp duty HK$733,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,484
−HK$3,918/mo
▼ 0.25% · 3.875%
HK$64,428
−HK$1,974/mo
Today · 4.125%
HK$66,402
baseline
▲ 0.50% · 4.625%
HK$70,443
+HK$4,041/mo
Deposit HK$5.87M · loan HK$13.70M · min. income ≈ HK$132,804/mo (50% DSR)
Upfront cash ≈ HK$6.61M (deposit + AVD stamp duty HK$733,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,513
−HK$3,756/mo
▼ 0.25% · 3.875%
HK$71,377
−HK$1,892/mo
Today · 4.125%
HK$73,269
baseline
▲ 0.50% · 4.625%
HK$77,131
+HK$3,862/mo
Deposit HK$5.87M · loan HK$13.70M · min. income ≈ HK$146,538/mo (50% DSR)
Upfront cash ≈ HK$6.61M (deposit + AVD stamp duty HK$733,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,337
−HK$5,038/mo
▼ 0.25% · 3.875%
HK$82,836
−HK$2,539/mo
Today · 4.125%
HK$85,375
baseline
▲ 0.50% · 4.625%
HK$90,569
+HK$5,194/mo
Deposit HK$1.96M · loan HK$17.62M · min. income ≈ HK$170,750/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$733,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,374
−HK$4,828/mo
▼ 0.25% · 3.875%
HK$91,771
−HK$2,431/mo
Today · 4.125%
HK$94,202
baseline
▲ 0.50% · 4.625%
HK$99,168
+HK$4,966/mo
Deposit HK$1.96M · loan HK$17.62M · min. income ≈ HK$188,404/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$733,989 · Scale 2, in force from 26 Feb 2026)