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$44,975
−HK$2,820/mo
▼ 0.25% · 3.875%
HK$46,374
−HK$1,421/mo
Today · 4.125%
HK$47,795
baseline
▲ 0.50% · 4.625%
HK$50,703
+HK$2,908/mo
Deposit HK$9.86M · loan HK$9.86M · min. income ≈ HK$95,590/mo (50% DSR)
Upfront cash ≈ HK$10.60M (deposit + AVD stamp duty HK$739,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,034
−HK$2,703/mo
▼ 0.25% · 3.875%
HK$51,376
−HK$1,361/mo
Today · 4.125%
HK$52,737
baseline
▲ 0.50% · 4.625%
HK$55,517
+HK$2,780/mo
Deposit HK$9.86M · loan HK$9.86M · min. income ≈ HK$105,474/mo (50% DSR)
Upfront cash ≈ HK$10.60M (deposit + AVD stamp duty HK$739,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,970
−HK$3,384/mo
▼ 0.25% · 3.875%
HK$55,649
−HK$1,705/mo
Today · 4.125%
HK$57,354
baseline
▲ 0.50% · 4.625%
HK$60,844
+HK$3,490/mo
Deposit HK$7.89M · loan HK$11.83M · min. income ≈ HK$114,708/mo (50% DSR)
Upfront cash ≈ HK$8.63M (deposit + AVD stamp duty HK$739,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,041
−HK$3,244/mo
▼ 0.25% · 3.875%
HK$61,651
−HK$1,634/mo
Today · 4.125%
HK$63,285
baseline
▲ 0.50% · 4.625%
HK$66,621
+HK$3,336/mo
Deposit HK$7.89M · loan HK$11.83M · min. income ≈ HK$126,570/mo (50% DSR)
Upfront cash ≈ HK$8.63M (deposit + AVD stamp duty HK$739,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,965
−HK$3,948/mo
▼ 0.25% · 3.875%
HK$64,923
−HK$1,990/mo
Today · 4.125%
HK$66,913
baseline
▲ 0.50% · 4.625%
HK$70,985
+HK$4,072/mo
Deposit HK$5.92M · loan HK$13.81M · min. income ≈ HK$133,826/mo (50% DSR)
Upfront cash ≈ HK$6.66M (deposit + AVD stamp duty HK$739,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,048
−HK$3,784/mo
▼ 0.25% · 3.875%
HK$71,926
−HK$1,906/mo
Today · 4.125%
HK$73,832
baseline
▲ 0.50% · 4.625%
HK$77,724
+HK$3,892/mo
Deposit HK$5.92M · loan HK$13.81M · min. income ≈ HK$147,664/mo (50% DSR)
Upfront cash ≈ HK$6.66M (deposit + AVD stamp duty HK$739,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,955
−HK$5,076/mo
▼ 0.25% · 3.875%
HK$83,473
−HK$2,558/mo
Today · 4.125%
HK$86,031
baseline
▲ 0.50% · 4.625%
HK$91,266
+HK$5,235/mo
Deposit HK$1.97M · loan HK$17.75M · min. income ≈ HK$172,062/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$739,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,061
−HK$4,866/mo
▼ 0.25% · 3.875%
HK$92,477
−HK$2,450/mo
Today · 4.125%
HK$94,927
baseline
▲ 0.50% · 4.625%
HK$99,931
+HK$5,004/mo
Deposit HK$1.97M · loan HK$17.75M · min. income ≈ HK$189,854/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$739,635 · Scale 2, in force from 26 Feb 2026)