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$44,976
−HK$2,820/mo
▼ 0.25% · 3.875%
HK$46,375
−HK$1,421/mo
Today · 4.125%
HK$47,796
baseline
▲ 0.50% · 4.625%
HK$50,705
+HK$2,909/mo
Deposit HK$9.86M · loan HK$9.86M · min. income ≈ HK$95,592/mo (50% DSR)
Upfront cash ≈ HK$10.60M (deposit + AVD stamp duty HK$739,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,035
−HK$2,704/mo
▼ 0.25% · 3.875%
HK$51,377
−HK$1,362/mo
Today · 4.125%
HK$52,739
baseline
▲ 0.50% · 4.625%
HK$55,519
+HK$2,780/mo
Deposit HK$9.86M · loan HK$9.86M · min. income ≈ HK$105,478/mo (50% DSR)
Upfront cash ≈ HK$10.60M (deposit + AVD stamp duty HK$739,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,971
−HK$3,385/mo
▼ 0.25% · 3.875%
HK$55,650
−HK$1,706/mo
Today · 4.125%
HK$57,356
baseline
▲ 0.50% · 4.625%
HK$60,846
+HK$3,490/mo
Deposit HK$7.89M · loan HK$11.83M · min. income ≈ HK$114,712/mo (50% DSR)
Upfront cash ≈ HK$8.63M (deposit + AVD stamp duty HK$739,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,043
−HK$3,243/mo
▼ 0.25% · 3.875%
HK$61,653
−HK$1,633/mo
Today · 4.125%
HK$63,286
baseline
▲ 0.50% · 4.625%
HK$66,622
+HK$3,336/mo
Deposit HK$7.89M · loan HK$11.83M · min. income ≈ HK$126,572/mo (50% DSR)
Upfront cash ≈ HK$8.63M (deposit + AVD stamp duty HK$739,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,966
−HK$3,949/mo
▼ 0.25% · 3.875%
HK$64,925
−HK$1,990/mo
Today · 4.125%
HK$66,915
baseline
▲ 0.50% · 4.625%
HK$70,987
+HK$4,072/mo
Deposit HK$5.92M · loan HK$13.81M · min. income ≈ HK$133,830/mo (50% DSR)
Upfront cash ≈ HK$6.66M (deposit + AVD stamp duty HK$739,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,050
−HK$3,784/mo
▼ 0.25% · 3.875%
HK$71,928
−HK$1,906/mo
Today · 4.125%
HK$73,834
baseline
▲ 0.50% · 4.625%
HK$77,726
+HK$3,892/mo
Deposit HK$5.92M · loan HK$13.81M · min. income ≈ HK$147,668/mo (50% DSR)
Upfront cash ≈ HK$6.66M (deposit + AVD stamp duty HK$739,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,957
−HK$5,077/mo
▼ 0.25% · 3.875%
HK$83,475
−HK$2,559/mo
Today · 4.125%
HK$86,034
baseline
▲ 0.50% · 4.625%
HK$91,269
+HK$5,235/mo
Deposit HK$1.97M · loan HK$17.75M · min. income ≈ HK$172,068/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$739,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,064
−HK$4,866/mo
▼ 0.25% · 3.875%
HK$92,479
−HK$2,451/mo
Today · 4.125%
HK$94,930
baseline
▲ 0.50% · 4.625%
HK$99,933
+HK$5,003/mo
Deposit HK$1.97M · loan HK$17.75M · min. income ≈ HK$189,860/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$739,655 · Scale 2, in force from 26 Feb 2026)