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$44,572
−HK$2,795/mo
▼ 0.25% · 3.875%
HK$45,958
−HK$1,409/mo
Today · 4.125%
HK$47,367
baseline
▲ 0.50% · 4.625%
HK$50,249
+HK$2,882/mo
Deposit HK$9.77M · loan HK$9.77M · min. income ≈ HK$94,734/mo (50% DSR)
Upfront cash ≈ HK$10.51M (deposit + AVD stamp duty HK$733,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,586
−HK$2,679/mo
▼ 0.25% · 3.875%
HK$50,916
−HK$1,349/mo
Today · 4.125%
HK$52,265
baseline
▲ 0.50% · 4.625%
HK$55,020
+HK$2,755/mo
Deposit HK$9.77M · loan HK$9.77M · min. income ≈ HK$104,530/mo (50% DSR)
Upfront cash ≈ HK$10.51M (deposit + AVD stamp duty HK$733,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,486
−HK$3,354/mo
▼ 0.25% · 3.875%
HK$55,150
−HK$1,690/mo
Today · 4.125%
HK$56,840
baseline
▲ 0.50% · 4.625%
HK$60,299
+HK$3,459/mo
Deposit HK$7.82M · loan HK$11.73M · min. income ≈ HK$113,680/mo (50% DSR)
Upfront cash ≈ HK$8.55M (deposit + AVD stamp duty HK$733,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,503
−HK$3,215/mo
▼ 0.25% · 3.875%
HK$61,099
−HK$1,619/mo
Today · 4.125%
HK$62,718
baseline
▲ 0.50% · 4.625%
HK$66,023
+HK$3,305/mo
Deposit HK$7.82M · loan HK$11.73M · min. income ≈ HK$125,436/mo (50% DSR)
Upfront cash ≈ HK$8.55M (deposit + AVD stamp duty HK$733,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,400
−HK$3,914/mo
▼ 0.25% · 3.875%
HK$64,342
−HK$1,972/mo
Today · 4.125%
HK$66,314
baseline
▲ 0.50% · 4.625%
HK$70,349
+HK$4,035/mo
Deposit HK$5.86M · loan HK$13.68M · min. income ≈ HK$132,628/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$733,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,420
−HK$3,750/mo
▼ 0.25% · 3.875%
HK$71,282
−HK$1,888/mo
Today · 4.125%
HK$73,170
baseline
▲ 0.50% · 4.625%
HK$77,027
+HK$3,857/mo
Deposit HK$5.86M · loan HK$13.68M · min. income ≈ HK$146,340/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$733,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,229
−HK$5,031/mo
▼ 0.25% · 3.875%
HK$82,725
−HK$2,535/mo
Today · 4.125%
HK$85,260
baseline
▲ 0.50% · 4.625%
HK$90,448
+HK$5,188/mo
Deposit HK$1.95M · loan HK$17.59M · min. income ≈ HK$170,520/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$733,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,254
−HK$4,822/mo
▼ 0.25% · 3.875%
HK$91,648
−HK$2,428/mo
Today · 4.125%
HK$94,076
baseline
▲ 0.50% · 4.625%
HK$99,035
+HK$4,959/mo
Deposit HK$1.95M · loan HK$17.59M · min. income ≈ HK$188,152/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$733,007 · Scale 2, in force from 26 Feb 2026)