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$44,634
−HK$2,799/mo
▼ 0.25% · 3.875%
HK$46,022
−HK$1,411/mo
Today · 4.125%
HK$47,433
baseline
▲ 0.50% · 4.625%
HK$50,319
+HK$2,886/mo
Deposit HK$9.79M · loan HK$9.79M · min. income ≈ HK$94,866/mo (50% DSR)
Upfront cash ≈ HK$10.52M (deposit + AVD stamp duty HK$734,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,655
−HK$2,682/mo
▼ 0.25% · 3.875%
HK$50,986
−HK$1,351/mo
Today · 4.125%
HK$52,337
baseline
▲ 0.50% · 4.625%
HK$55,096
+HK$2,759/mo
Deposit HK$9.79M · loan HK$9.79M · min. income ≈ HK$104,674/mo (50% DSR)
Upfront cash ≈ HK$10.52M (deposit + AVD stamp duty HK$734,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,561
−HK$3,358/mo
▼ 0.25% · 3.875%
HK$55,227
−HK$1,692/mo
Today · 4.125%
HK$56,919
baseline
▲ 0.50% · 4.625%
HK$60,383
+HK$3,464/mo
Deposit HK$7.83M · loan HK$11.74M · min. income ≈ HK$113,838/mo (50% DSR)
Upfront cash ≈ HK$8.56M (deposit + AVD stamp duty HK$734,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,586
−HK$3,219/mo
▼ 0.25% · 3.875%
HK$61,184
−HK$1,621/mo
Today · 4.125%
HK$62,805
baseline
▲ 0.50% · 4.625%
HK$66,115
+HK$3,310/mo
Deposit HK$7.83M · loan HK$11.74M · min. income ≈ HK$125,610/mo (50% DSR)
Upfront cash ≈ HK$8.56M (deposit + AVD stamp duty HK$734,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,487
−HK$3,919/mo
▼ 0.25% · 3.875%
HK$64,431
−HK$1,975/mo
Today · 4.125%
HK$66,406
baseline
▲ 0.50% · 4.625%
HK$70,446
+HK$4,040/mo
Deposit HK$5.87M · loan HK$13.70M · min. income ≈ HK$132,812/mo (50% DSR)
Upfront cash ≈ HK$6.61M (deposit + AVD stamp duty HK$734,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,516
−HK$3,756/mo
▼ 0.25% · 3.875%
HK$71,381
−HK$1,891/mo
Today · 4.125%
HK$73,272
baseline
▲ 0.50% · 4.625%
HK$77,135
+HK$3,863/mo
Deposit HK$5.87M · loan HK$13.70M · min. income ≈ HK$146,544/mo (50% DSR)
Upfront cash ≈ HK$6.61M (deposit + AVD stamp duty HK$734,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,341
−HK$5,038/mo
▼ 0.25% · 3.875%
HK$82,840
−HK$2,539/mo
Today · 4.125%
HK$85,379
baseline
▲ 0.50% · 4.625%
HK$90,574
+HK$5,195/mo
Deposit HK$1.96M · loan HK$17.62M · min. income ≈ HK$170,758/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$734,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,378
−HK$4,829/mo
▼ 0.25% · 3.875%
HK$91,775
−HK$2,432/mo
Today · 4.125%
HK$94,207
baseline
▲ 0.50% · 4.625%
HK$99,173
+HK$4,966/mo
Deposit HK$1.96M · loan HK$17.62M · min. income ≈ HK$188,414/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$734,026 · Scale 2, in force from 26 Feb 2026)