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$44,644
−HK$2,800/mo
▼ 0.25% · 3.875%
HK$46,033
−HK$1,411/mo
Today · 4.125%
HK$47,444
baseline
▲ 0.50% · 4.625%
HK$50,331
+HK$2,887/mo
Deposit HK$9.79M · loan HK$9.79M · min. income ≈ HK$94,888/mo (50% DSR)
Upfront cash ≈ HK$10.52M (deposit + AVD stamp duty HK$734,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,666
−HK$2,683/mo
▼ 0.25% · 3.875%
HK$50,998
−HK$1,351/mo
Today · 4.125%
HK$52,349
baseline
▲ 0.50% · 4.625%
HK$55,109
+HK$2,760/mo
Deposit HK$9.79M · loan HK$9.79M · min. income ≈ HK$104,698/mo (50% DSR)
Upfront cash ≈ HK$10.52M (deposit + AVD stamp duty HK$734,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,573
−HK$3,359/mo
▼ 0.25% · 3.875%
HK$55,239
−HK$1,693/mo
Today · 4.125%
HK$56,932
baseline
▲ 0.50% · 4.625%
HK$60,397
+HK$3,465/mo
Deposit HK$7.83M · loan HK$11.75M · min. income ≈ HK$113,864/mo (50% DSR)
Upfront cash ≈ HK$8.57M (deposit + AVD stamp duty HK$734,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,599
−HK$3,220/mo
▼ 0.25% · 3.875%
HK$61,198
−HK$1,621/mo
Today · 4.125%
HK$62,819
baseline
▲ 0.50% · 4.625%
HK$66,131
+HK$3,312/mo
Deposit HK$7.83M · loan HK$11.75M · min. income ≈ HK$125,638/mo (50% DSR)
Upfront cash ≈ HK$8.57M (deposit + AVD stamp duty HK$734,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,502
−HK$3,919/mo
▼ 0.25% · 3.875%
HK$64,446
−HK$1,975/mo
Today · 4.125%
HK$66,421
baseline
▲ 0.50% · 4.625%
HK$70,463
+HK$4,042/mo
Deposit HK$5.87M · loan HK$13.70M · min. income ≈ HK$132,842/mo (50% DSR)
Upfront cash ≈ HK$6.61M (deposit + AVD stamp duty HK$734,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,533
−HK$3,756/mo
▼ 0.25% · 3.875%
HK$71,397
−HK$1,892/mo
Today · 4.125%
HK$73,289
baseline
▲ 0.50% · 4.625%
HK$77,152
+HK$3,863/mo
Deposit HK$5.87M · loan HK$13.70M · min. income ≈ HK$146,578/mo (50% DSR)
Upfront cash ≈ HK$6.61M (deposit + AVD stamp duty HK$734,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,359
−HK$5,040/mo
▼ 0.25% · 3.875%
HK$82,859
−HK$2,540/mo
Today · 4.125%
HK$85,399
baseline
▲ 0.50% · 4.625%
HK$90,595
+HK$5,196/mo
Deposit HK$1.96M · loan HK$17.62M · min. income ≈ HK$170,798/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$734,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,399
−HK$4,830/mo
▼ 0.25% · 3.875%
HK$91,797
−HK$2,432/mo
Today · 4.125%
HK$94,229
baseline
▲ 0.50% · 4.625%
HK$99,196
+HK$4,967/mo
Deposit HK$1.96M · loan HK$17.62M · min. income ≈ HK$188,458/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$734,196 · Scale 2, in force from 26 Feb 2026)