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$44,876
−HK$2,814/mo
▼ 0.25% · 3.875%
HK$46,272
−HK$1,418/mo
Today · 4.125%
HK$47,690
baseline
▲ 0.50% · 4.625%
HK$50,592
+HK$2,902/mo
Deposit HK$9.84M · loan HK$9.84M · min. income ≈ HK$95,380/mo (50% DSR)
Upfront cash ≈ HK$10.58M (deposit + AVD stamp duty HK$738,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,924
−HK$2,697/mo
▼ 0.25% · 3.875%
HK$51,263
−HK$1,358/mo
Today · 4.125%
HK$52,621
baseline
▲ 0.50% · 4.625%
HK$55,395
+HK$2,774/mo
Deposit HK$9.84M · loan HK$9.84M · min. income ≈ HK$105,242/mo (50% DSR)
Upfront cash ≈ HK$10.58M (deposit + AVD stamp duty HK$738,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,851
−HK$3,377/mo
▼ 0.25% · 3.875%
HK$55,526
−HK$1,702/mo
Today · 4.125%
HK$57,228
baseline
▲ 0.50% · 4.625%
HK$60,710
+HK$3,482/mo
Deposit HK$7.87M · loan HK$11.81M · min. income ≈ HK$114,456/mo (50% DSR)
Upfront cash ≈ HK$8.61M (deposit + AVD stamp duty HK$738,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,908
−HK$3,237/mo
▼ 0.25% · 3.875%
HK$61,515
−HK$1,630/mo
Today · 4.125%
HK$63,145
baseline
▲ 0.50% · 4.625%
HK$66,474
+HK$3,329/mo
Deposit HK$7.87M · loan HK$11.81M · min. income ≈ HK$126,290/mo (50% DSR)
Upfront cash ≈ HK$8.61M (deposit + AVD stamp duty HK$738,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,826
−HK$3,940/mo
▼ 0.25% · 3.875%
HK$64,780
−HK$1,986/mo
Today · 4.125%
HK$66,766
baseline
▲ 0.50% · 4.625%
HK$70,828
+HK$4,062/mo
Deposit HK$5.90M · loan HK$13.78M · min. income ≈ HK$133,532/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$738,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,893
−HK$3,776/mo
▼ 0.25% · 3.875%
HK$71,768
−HK$1,901/mo
Today · 4.125%
HK$73,669
baseline
▲ 0.50% · 4.625%
HK$77,552
+HK$3,883/mo
Deposit HK$5.90M · loan HK$13.78M · min. income ≈ HK$147,338/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$738,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,776
−HK$5,066/mo
▼ 0.25% · 3.875%
HK$83,289
−HK$2,553/mo
Today · 4.125%
HK$85,842
baseline
▲ 0.50% · 4.625%
HK$91,065
+HK$5,223/mo
Deposit HK$1.97M · loan HK$17.71M · min. income ≈ HK$171,684/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$738,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,863
−HK$4,855/mo
▼ 0.25% · 3.875%
HK$92,273
−HK$2,445/mo
Today · 4.125%
HK$94,718
baseline
▲ 0.50% · 4.625%
HK$99,710
+HK$4,992/mo
Deposit HK$1.97M · loan HK$17.71M · min. income ≈ HK$189,436/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$738,003 · Scale 2, in force from 26 Feb 2026)