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$44,664
−HK$2,801/mo
▼ 0.25% · 3.875%
HK$46,053
−HK$1,412/mo
Today · 4.125%
HK$47,465
baseline
▲ 0.50% · 4.625%
HK$50,353
+HK$2,888/mo
Deposit HK$9.79M · loan HK$9.79M · min. income ≈ HK$94,930/mo (50% DSR)
Upfront cash ≈ HK$10.53M (deposit + AVD stamp duty HK$734,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,688
−HK$2,685/mo
▼ 0.25% · 3.875%
HK$51,021
−HK$1,352/mo
Today · 4.125%
HK$52,373
baseline
▲ 0.50% · 4.625%
HK$55,133
+HK$2,760/mo
Deposit HK$9.79M · loan HK$9.79M · min. income ≈ HK$104,746/mo (50% DSR)
Upfront cash ≈ HK$10.53M (deposit + AVD stamp duty HK$734,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,597
−HK$3,361/mo
▼ 0.25% · 3.875%
HK$55,264
−HK$1,694/mo
Today · 4.125%
HK$56,958
baseline
▲ 0.50% · 4.625%
HK$60,423
+HK$3,465/mo
Deposit HK$7.83M · loan HK$11.75M · min. income ≈ HK$113,916/mo (50% DSR)
Upfront cash ≈ HK$8.57M (deposit + AVD stamp duty HK$734,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,626
−HK$3,221/mo
▼ 0.25% · 3.875%
HK$61,225
−HK$1,622/mo
Today · 4.125%
HK$62,847
baseline
▲ 0.50% · 4.625%
HK$66,160
+HK$3,313/mo
Deposit HK$7.83M · loan HK$11.75M · min. income ≈ HK$125,694/mo (50% DSR)
Upfront cash ≈ HK$8.57M (deposit + AVD stamp duty HK$734,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,529
−HK$3,922/mo
▼ 0.25% · 3.875%
HK$64,474
−HK$1,977/mo
Today · 4.125%
HK$66,451
baseline
▲ 0.50% · 4.625%
HK$70,494
+HK$4,043/mo
Deposit HK$5.88M · loan HK$13.71M · min. income ≈ HK$132,902/mo (50% DSR)
Upfront cash ≈ HK$6.61M (deposit + AVD stamp duty HK$734,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,563
−HK$3,759/mo
▼ 0.25% · 3.875%
HK$71,429
−HK$1,893/mo
Today · 4.125%
HK$73,322
baseline
▲ 0.50% · 4.625%
HK$77,187
+HK$3,865/mo
Deposit HK$5.88M · loan HK$13.71M · min. income ≈ HK$146,644/mo (50% DSR)
Upfront cash ≈ HK$6.61M (deposit + AVD stamp duty HK$734,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,395
−HK$5,041/mo
▼ 0.25% · 3.875%
HK$82,896
−HK$2,540/mo
Today · 4.125%
HK$85,436
baseline
▲ 0.50% · 4.625%
HK$90,635
+HK$5,199/mo
Deposit HK$1.96M · loan HK$17.63M · min. income ≈ HK$170,872/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$734,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,439
−HK$4,832/mo
▼ 0.25% · 3.875%
HK$91,837
−HK$2,434/mo
Today · 4.125%
HK$94,271
baseline
▲ 0.50% · 4.625%
HK$99,240
+HK$4,969/mo
Deposit HK$1.96M · loan HK$17.63M · min. income ≈ HK$188,542/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$734,521 · Scale 2, in force from 26 Feb 2026)