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$44,653
−HK$2,801/mo
▼ 0.25% · 3.875%
HK$46,042
−HK$1,412/mo
Today · 4.125%
HK$47,454
baseline
▲ 0.50% · 4.625%
HK$50,341
+HK$2,887/mo
Deposit HK$9.79M · loan HK$9.79M · min. income ≈ HK$94,908/mo (50% DSR)
Upfront cash ≈ HK$10.53M (deposit + AVD stamp duty HK$734,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,677
−HK$2,683/mo
▼ 0.25% · 3.875%
HK$51,009
−HK$1,351/mo
Today · 4.125%
HK$52,360
baseline
▲ 0.50% · 4.625%
HK$55,120
+HK$2,760/mo
Deposit HK$9.79M · loan HK$9.79M · min. income ≈ HK$104,720/mo (50% DSR)
Upfront cash ≈ HK$10.53M (deposit + AVD stamp duty HK$734,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,584
−HK$3,360/mo
▼ 0.25% · 3.875%
HK$55,251
−HK$1,693/mo
Today · 4.125%
HK$56,944
baseline
▲ 0.50% · 4.625%
HK$60,409
+HK$3,465/mo
Deposit HK$7.83M · loan HK$11.75M · min. income ≈ HK$113,888/mo (50% DSR)
Upfront cash ≈ HK$8.57M (deposit + AVD stamp duty HK$734,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,612
−HK$3,220/mo
▼ 0.25% · 3.875%
HK$61,211
−HK$1,621/mo
Today · 4.125%
HK$62,832
baseline
▲ 0.50% · 4.625%
HK$66,144
+HK$3,312/mo
Deposit HK$7.83M · loan HK$11.75M · min. income ≈ HK$125,664/mo (50% DSR)
Upfront cash ≈ HK$8.57M (deposit + AVD stamp duty HK$734,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,515
−HK$3,920/mo
▼ 0.25% · 3.875%
HK$64,459
−HK$1,976/mo
Today · 4.125%
HK$66,435
baseline
▲ 0.50% · 4.625%
HK$70,477
+HK$4,042/mo
Deposit HK$5.87M · loan HK$13.71M · min. income ≈ HK$132,870/mo (50% DSR)
Upfront cash ≈ HK$6.61M (deposit + AVD stamp duty HK$734,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,547
−HK$3,758/mo
▼ 0.25% · 3.875%
HK$71,412
−HK$1,893/mo
Today · 4.125%
HK$73,305
baseline
▲ 0.50% · 4.625%
HK$77,169
+HK$3,864/mo
Deposit HK$5.87M · loan HK$13.71M · min. income ≈ HK$146,610/mo (50% DSR)
Upfront cash ≈ HK$6.61M (deposit + AVD stamp duty HK$734,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,376
−HK$5,040/mo
▼ 0.25% · 3.875%
HK$82,876
−HK$2,540/mo
Today · 4.125%
HK$85,416
baseline
▲ 0.50% · 4.625%
HK$90,614
+HK$5,198/mo
Deposit HK$1.96M · loan HK$17.62M · min. income ≈ HK$170,832/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$734,350 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,418
−HK$4,831/mo
▼ 0.25% · 3.875%
HK$91,816
−HK$2,433/mo
Today · 4.125%
HK$94,249
baseline
▲ 0.50% · 4.625%
HK$99,217
+HK$4,968/mo
Deposit HK$1.96M · loan HK$17.62M · min. income ≈ HK$188,498/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$734,350 · Scale 2, in force from 26 Feb 2026)