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$44,608
−HK$2,798/mo
▼ 0.25% · 3.875%
HK$45,996
−HK$1,410/mo
Today · 4.125%
HK$47,406
baseline
▲ 0.50% · 4.625%
HK$50,290
+HK$2,884/mo
Deposit HK$9.78M · loan HK$9.78M · min. income ≈ HK$94,812/mo (50% DSR)
Upfront cash ≈ HK$10.52M (deposit + AVD stamp duty HK$733,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,626
−HK$2,681/mo
▼ 0.25% · 3.875%
HK$50,957
−HK$1,350/mo
Today · 4.125%
HK$52,307
baseline
▲ 0.50% · 4.625%
HK$55,065
+HK$2,758/mo
Deposit HK$9.78M · loan HK$9.78M · min. income ≈ HK$104,614/mo (50% DSR)
Upfront cash ≈ HK$10.52M (deposit + AVD stamp duty HK$733,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,530
−HK$3,357/mo
▼ 0.25% · 3.875%
HK$55,195
−HK$1,692/mo
Today · 4.125%
HK$56,887
baseline
▲ 0.50% · 4.625%
HK$60,348
+HK$3,461/mo
Deposit HK$7.83M · loan HK$11.74M · min. income ≈ HK$113,774/mo (50% DSR)
Upfront cash ≈ HK$8.56M (deposit + AVD stamp duty HK$733,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,551
−HK$3,218/mo
▼ 0.25% · 3.875%
HK$61,149
−HK$1,620/mo
Today · 4.125%
HK$62,769
baseline
▲ 0.50% · 4.625%
HK$66,077
+HK$3,308/mo
Deposit HK$7.83M · loan HK$11.74M · min. income ≈ HK$125,538/mo (50% DSR)
Upfront cash ≈ HK$8.56M (deposit + AVD stamp duty HK$733,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,452
−HK$3,916/mo
▼ 0.25% · 3.875%
HK$64,394
−HK$1,974/mo
Today · 4.125%
HK$66,368
baseline
▲ 0.50% · 4.625%
HK$70,406
+HK$4,038/mo
Deposit HK$5.87M · loan HK$13.69M · min. income ≈ HK$132,736/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$733,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,477
−HK$3,753/mo
▼ 0.25% · 3.875%
HK$71,340
−HK$1,890/mo
Today · 4.125%
HK$73,230
baseline
▲ 0.50% · 4.625%
HK$77,090
+HK$3,860/mo
Deposit HK$5.87M · loan HK$13.69M · min. income ≈ HK$146,460/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$733,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,295
−HK$5,035/mo
▼ 0.25% · 3.875%
HK$82,792
−HK$2,538/mo
Today · 4.125%
HK$85,330
baseline
▲ 0.50% · 4.625%
HK$90,522
+HK$5,192/mo
Deposit HK$1.96M · loan HK$17.61M · min. income ≈ HK$170,660/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$733,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,327
−HK$4,826/mo
▼ 0.25% · 3.875%
HK$91,723
−HK$2,430/mo
Today · 4.125%
HK$94,153
baseline
▲ 0.50% · 4.625%
HK$99,116
+HK$4,963/mo
Deposit HK$1.96M · loan HK$17.61M · min. income ≈ HK$188,306/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$733,606 · Scale 2, in force from 26 Feb 2026)