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$44,660
−HK$2,800/mo
▼ 0.25% · 3.875%
HK$46,049
−HK$1,411/mo
Today · 4.125%
HK$47,460
baseline
▲ 0.50% · 4.625%
HK$50,348
+HK$2,888/mo
Deposit HK$9.79M · loan HK$9.79M · min. income ≈ HK$94,920/mo (50% DSR)
Upfront cash ≈ HK$10.53M (deposit + AVD stamp duty HK$734,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,683
−HK$2,685/mo
▼ 0.25% · 3.875%
HK$51,016
−HK$1,352/mo
Today · 4.125%
HK$52,368
baseline
▲ 0.50% · 4.625%
HK$55,128
+HK$2,760/mo
Deposit HK$9.79M · loan HK$9.79M · min. income ≈ HK$104,736/mo (50% DSR)
Upfront cash ≈ HK$10.53M (deposit + AVD stamp duty HK$734,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,592
−HK$3,360/mo
▼ 0.25% · 3.875%
HK$55,259
−HK$1,693/mo
Today · 4.125%
HK$56,952
baseline
▲ 0.50% · 4.625%
HK$60,418
+HK$3,466/mo
Deposit HK$7.83M · loan HK$11.75M · min. income ≈ HK$113,904/mo (50% DSR)
Upfront cash ≈ HK$8.57M (deposit + AVD stamp duty HK$734,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,620
−HK$3,221/mo
▼ 0.25% · 3.875%
HK$61,219
−HK$1,622/mo
Today · 4.125%
HK$62,841
baseline
▲ 0.50% · 4.625%
HK$66,154
+HK$3,313/mo
Deposit HK$7.83M · loan HK$11.75M · min. income ≈ HK$125,682/mo (50% DSR)
Upfront cash ≈ HK$8.57M (deposit + AVD stamp duty HK$734,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,523
−HK$3,921/mo
▼ 0.25% · 3.875%
HK$64,468
−HK$1,976/mo
Today · 4.125%
HK$66,444
baseline
▲ 0.50% · 4.625%
HK$70,487
+HK$4,043/mo
Deposit HK$5.88M · loan HK$13.71M · min. income ≈ HK$132,888/mo (50% DSR)
Upfront cash ≈ HK$6.61M (deposit + AVD stamp duty HK$734,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,557
−HK$3,758/mo
▼ 0.25% · 3.875%
HK$71,422
−HK$1,893/mo
Today · 4.125%
HK$73,315
baseline
▲ 0.50% · 4.625%
HK$77,179
+HK$3,864/mo
Deposit HK$5.88M · loan HK$13.71M · min. income ≈ HK$146,630/mo (50% DSR)
Upfront cash ≈ HK$6.61M (deposit + AVD stamp duty HK$734,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,387
−HK$5,041/mo
▼ 0.25% · 3.875%
HK$82,888
−HK$2,540/mo
Today · 4.125%
HK$85,428
baseline
▲ 0.50% · 4.625%
HK$90,626
+HK$5,198/mo
Deposit HK$1.96M · loan HK$17.63M · min. income ≈ HK$170,856/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$734,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,430
−HK$4,832/mo
▼ 0.25% · 3.875%
HK$91,829
−HK$2,433/mo
Today · 4.125%
HK$94,262
baseline
▲ 0.50% · 4.625%
HK$99,230
+HK$4,968/mo
Deposit HK$1.96M · loan HK$17.63M · min. income ≈ HK$188,524/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$734,451 · Scale 2, in force from 26 Feb 2026)