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$44,628
−HK$2,798/mo
▼ 0.25% · 3.875%
HK$46,016
−HK$1,410/mo
Today · 4.125%
HK$47,426
baseline
▲ 0.50% · 4.625%
HK$50,312
+HK$2,886/mo
Deposit HK$9.79M · loan HK$9.79M · min. income ≈ HK$94,852/mo (50% DSR)
Upfront cash ≈ HK$10.52M (deposit + AVD stamp duty HK$733,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,648
−HK$2,682/mo
▼ 0.25% · 3.875%
HK$50,980
−HK$1,350/mo
Today · 4.125%
HK$52,330
baseline
▲ 0.50% · 4.625%
HK$55,089
+HK$2,759/mo
Deposit HK$9.79M · loan HK$9.79M · min. income ≈ HK$104,660/mo (50% DSR)
Upfront cash ≈ HK$10.52M (deposit + AVD stamp duty HK$733,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,553
−HK$3,359/mo
▼ 0.25% · 3.875%
HK$55,219
−HK$1,693/mo
Today · 4.125%
HK$56,912
baseline
▲ 0.50% · 4.625%
HK$60,375
+HK$3,463/mo
Deposit HK$7.83M · loan HK$11.74M · min. income ≈ HK$113,824/mo (50% DSR)
Upfront cash ≈ HK$8.56M (deposit + AVD stamp duty HK$733,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,578
−HK$3,218/mo
▼ 0.25% · 3.875%
HK$61,175
−HK$1,621/mo
Today · 4.125%
HK$62,796
baseline
▲ 0.50% · 4.625%
HK$66,106
+HK$3,310/mo
Deposit HK$7.83M · loan HK$11.74M · min. income ≈ HK$125,592/mo (50% DSR)
Upfront cash ≈ HK$8.56M (deposit + AVD stamp duty HK$733,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,479
−HK$3,918/mo
▼ 0.25% · 3.875%
HK$64,422
−HK$1,975/mo
Today · 4.125%
HK$66,397
baseline
▲ 0.50% · 4.625%
HK$70,437
+HK$4,040/mo
Deposit HK$5.87M · loan HK$13.70M · min. income ≈ HK$132,794/mo (50% DSR)
Upfront cash ≈ HK$6.61M (deposit + AVD stamp duty HK$733,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,507
−HK$3,755/mo
▼ 0.25% · 3.875%
HK$71,371
−HK$1,891/mo
Today · 4.125%
HK$73,262
baseline
▲ 0.50% · 4.625%
HK$77,124
+HK$3,862/mo
Deposit HK$5.87M · loan HK$13.70M · min. income ≈ HK$146,524/mo (50% DSR)
Upfront cash ≈ HK$6.61M (deposit + AVD stamp duty HK$733,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,330
−HK$5,037/mo
▼ 0.25% · 3.875%
HK$82,829
−HK$2,538/mo
Today · 4.125%
HK$85,367
baseline
▲ 0.50% · 4.625%
HK$90,562
+HK$5,195/mo
Deposit HK$1.96M · loan HK$17.61M · min. income ≈ HK$170,734/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$733,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,366
−HK$4,829/mo
▼ 0.25% · 3.875%
HK$91,763
−HK$2,432/mo
Today · 4.125%
HK$94,195
baseline
▲ 0.50% · 4.625%
HK$99,160
+HK$4,965/mo
Deposit HK$1.96M · loan HK$17.61M · min. income ≈ HK$188,390/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$733,928 · Scale 2, in force from 26 Feb 2026)