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$44,604
−HK$2,797/mo
▼ 0.25% · 3.875%
HK$45,991
−HK$1,410/mo
Today · 4.125%
HK$47,401
baseline
▲ 0.50% · 4.625%
HK$50,285
+HK$2,884/mo
Deposit HK$9.78M · loan HK$9.78M · min. income ≈ HK$94,802/mo (50% DSR)
Upfront cash ≈ HK$10.51M (deposit + AVD stamp duty HK$733,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,621
−HK$2,681/mo
▼ 0.25% · 3.875%
HK$50,952
−HK$1,350/mo
Today · 4.125%
HK$52,302
baseline
▲ 0.50% · 4.625%
HK$55,059
+HK$2,757/mo
Deposit HK$9.78M · loan HK$9.78M · min. income ≈ HK$104,604/mo (50% DSR)
Upfront cash ≈ HK$10.51M (deposit + AVD stamp duty HK$733,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,524
−HK$3,357/mo
▼ 0.25% · 3.875%
HK$55,189
−HK$1,692/mo
Today · 4.125%
HK$56,881
baseline
▲ 0.50% · 4.625%
HK$60,342
+HK$3,461/mo
Deposit HK$7.82M · loan HK$11.74M · min. income ≈ HK$113,762/mo (50% DSR)
Upfront cash ≈ HK$8.56M (deposit + AVD stamp duty HK$733,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,545
−HK$3,217/mo
▼ 0.25% · 3.875%
HK$61,142
−HK$1,620/mo
Today · 4.125%
HK$62,762
baseline
▲ 0.50% · 4.625%
HK$66,071
+HK$3,309/mo
Deposit HK$7.82M · loan HK$11.74M · min. income ≈ HK$125,524/mo (50% DSR)
Upfront cash ≈ HK$8.56M (deposit + AVD stamp duty HK$733,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,445
−HK$3,916/mo
▼ 0.25% · 3.875%
HK$64,387
−HK$1,974/mo
Today · 4.125%
HK$66,361
baseline
▲ 0.50% · 4.625%
HK$70,399
+HK$4,038/mo
Deposit HK$5.87M · loan HK$13.69M · min. income ≈ HK$132,722/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$733,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,469
−HK$3,754/mo
▼ 0.25% · 3.875%
HK$71,333
−HK$1,890/mo
Today · 4.125%
HK$73,223
baseline
▲ 0.50% · 4.625%
HK$77,082
+HK$3,859/mo
Deposit HK$5.87M · loan HK$13.69M · min. income ≈ HK$146,446/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$733,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,286
−HK$5,035/mo
▼ 0.25% · 3.875%
HK$82,784
−HK$2,537/mo
Today · 4.125%
HK$85,321
baseline
▲ 0.50% · 4.625%
HK$90,513
+HK$5,192/mo
Deposit HK$1.96M · loan HK$17.60M · min. income ≈ HK$170,642/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$733,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,318
−HK$4,825/mo
▼ 0.25% · 3.875%
HK$91,713
−HK$2,430/mo
Today · 4.125%
HK$94,143
baseline
▲ 0.50% · 4.625%
HK$99,106
+HK$4,963/mo
Deposit HK$1.96M · loan HK$17.60M · min. income ≈ HK$188,286/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$733,530 · Scale 2, in force from 26 Feb 2026)