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$44,684
−HK$2,802/mo
▼ 0.25% · 3.875%
HK$46,074
−HK$1,412/mo
Today · 4.125%
HK$47,486
baseline
▲ 0.50% · 4.625%
HK$50,375
+HK$2,889/mo
Deposit HK$9.80M · loan HK$9.80M · min. income ≈ HK$94,972/mo (50% DSR)
Upfront cash ≈ HK$10.53M (deposit + AVD stamp duty HK$734,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,710
−HK$2,686/mo
▼ 0.25% · 3.875%
HK$51,043
−HK$1,353/mo
Today · 4.125%
HK$52,396
baseline
▲ 0.50% · 4.625%
HK$55,158
+HK$2,762/mo
Deposit HK$9.80M · loan HK$9.80M · min. income ≈ HK$104,792/mo (50% DSR)
Upfront cash ≈ HK$10.53M (deposit + AVD stamp duty HK$734,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,620
−HK$3,363/mo
▼ 0.25% · 3.875%
HK$55,288
−HK$1,695/mo
Today · 4.125%
HK$56,983
baseline
▲ 0.50% · 4.625%
HK$60,450
+HK$3,467/mo
Deposit HK$7.84M · loan HK$11.76M · min. income ≈ HK$113,966/mo (50% DSR)
Upfront cash ≈ HK$8.57M (deposit + AVD stamp duty HK$734,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,652
−HK$3,223/mo
▼ 0.25% · 3.875%
HK$61,252
−HK$1,623/mo
Today · 4.125%
HK$62,875
baseline
▲ 0.50% · 4.625%
HK$66,189
+HK$3,314/mo
Deposit HK$7.84M · loan HK$11.76M · min. income ≈ HK$125,750/mo (50% DSR)
Upfront cash ≈ HK$8.57M (deposit + AVD stamp duty HK$734,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,557
−HK$3,923/mo
▼ 0.25% · 3.875%
HK$64,503
−HK$1,977/mo
Today · 4.125%
HK$66,480
baseline
▲ 0.50% · 4.625%
HK$70,525
+HK$4,045/mo
Deposit HK$5.88M · loan HK$13.72M · min. income ≈ HK$132,960/mo (50% DSR)
Upfront cash ≈ HK$6.61M (deposit + AVD stamp duty HK$734,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,594
−HK$3,760/mo
▼ 0.25% · 3.875%
HK$71,461
−HK$1,893/mo
Today · 4.125%
HK$73,354
baseline
▲ 0.50% · 4.625%
HK$77,221
+HK$3,867/mo
Deposit HK$5.88M · loan HK$13.72M · min. income ≈ HK$146,708/mo (50% DSR)
Upfront cash ≈ HK$6.61M (deposit + AVD stamp duty HK$734,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,431
−HK$5,043/mo
▼ 0.25% · 3.875%
HK$82,932
−HK$2,542/mo
Today · 4.125%
HK$85,474
baseline
▲ 0.50% · 4.625%
HK$90,675
+HK$5,201/mo
Deposit HK$1.96M · loan HK$17.64M · min. income ≈ HK$170,948/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$734,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,478
−HK$4,834/mo
▼ 0.25% · 3.875%
HK$91,878
−HK$2,434/mo
Today · 4.125%
HK$94,312
baseline
▲ 0.50% · 4.625%
HK$99,284
+HK$4,972/mo
Deposit HK$1.96M · loan HK$17.64M · min. income ≈ HK$188,624/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$734,846 · Scale 2, in force from 26 Feb 2026)