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$44,667
−HK$2,801/mo
▼ 0.25% · 3.875%
HK$46,057
−HK$1,411/mo
Today · 4.125%
HK$47,468
baseline
▲ 0.50% · 4.625%
HK$50,357
+HK$2,889/mo
Deposit HK$9.79M · loan HK$9.79M · min. income ≈ HK$94,936/mo (50% DSR)
Upfront cash ≈ HK$10.53M (deposit + AVD stamp duty HK$734,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,692
−HK$2,684/mo
▼ 0.25% · 3.875%
HK$51,025
−HK$1,351/mo
Today · 4.125%
HK$52,376
baseline
▲ 0.50% · 4.625%
HK$55,137
+HK$2,761/mo
Deposit HK$9.79M · loan HK$9.79M · min. income ≈ HK$104,752/mo (50% DSR)
Upfront cash ≈ HK$10.53M (deposit + AVD stamp duty HK$734,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,601
−HK$3,361/mo
▼ 0.25% · 3.875%
HK$55,268
−HK$1,694/mo
Today · 4.125%
HK$56,962
baseline
▲ 0.50% · 4.625%
HK$60,428
+HK$3,466/mo
Deposit HK$7.84M · loan HK$11.75M · min. income ≈ HK$113,924/mo (50% DSR)
Upfront cash ≈ HK$8.57M (deposit + AVD stamp duty HK$734,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,630
−HK$3,222/mo
▼ 0.25% · 3.875%
HK$61,229
−HK$1,623/mo
Today · 4.125%
HK$62,852
baseline
▲ 0.50% · 4.625%
HK$66,165
+HK$3,313/mo
Deposit HK$7.84M · loan HK$11.75M · min. income ≈ HK$125,704/mo (50% DSR)
Upfront cash ≈ HK$8.57M (deposit + AVD stamp duty HK$734,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,534
−HK$3,922/mo
▼ 0.25% · 3.875%
HK$64,479
−HK$1,977/mo
Today · 4.125%
HK$66,456
baseline
▲ 0.50% · 4.625%
HK$70,499
+HK$4,043/mo
Deposit HK$5.88M · loan HK$13.71M · min. income ≈ HK$132,912/mo (50% DSR)
Upfront cash ≈ HK$6.61M (deposit + AVD stamp duty HK$734,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,569
−HK$3,758/mo
▼ 0.25% · 3.875%
HK$71,434
−HK$1,893/mo
Today · 4.125%
HK$73,327
baseline
▲ 0.50% · 4.625%
HK$77,192
+HK$3,865/mo
Deposit HK$5.88M · loan HK$13.71M · min. income ≈ HK$146,654/mo (50% DSR)
Upfront cash ≈ HK$6.61M (deposit + AVD stamp duty HK$734,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,401
−HK$5,042/mo
▼ 0.25% · 3.875%
HK$82,902
−HK$2,541/mo
Today · 4.125%
HK$85,443
baseline
▲ 0.50% · 4.625%
HK$90,642
+HK$5,199/mo
Deposit HK$1.96M · loan HK$17.63M · min. income ≈ HK$170,886/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$734,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,445
−HK$4,833/mo
▼ 0.25% · 3.875%
HK$91,844
−HK$2,434/mo
Today · 4.125%
HK$94,278
baseline
▲ 0.50% · 4.625%
HK$99,247
+HK$4,969/mo
Deposit HK$1.96M · loan HK$17.63M · min. income ≈ HK$188,556/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$734,576 · Scale 2, in force from 26 Feb 2026)