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$44,734
−HK$2,805/mo
▼ 0.25% · 3.875%
HK$46,125
−HK$1,414/mo
Today · 4.125%
HK$47,539
baseline
▲ 0.50% · 4.625%
HK$50,432
+HK$2,893/mo
Deposit HK$9.81M · loan HK$9.81M · min. income ≈ HK$95,078/mo (50% DSR)
Upfront cash ≈ HK$10.54M (deposit + AVD stamp duty HK$735,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,766
−HK$2,689/mo
▼ 0.25% · 3.875%
HK$51,101
−HK$1,354/mo
Today · 4.125%
HK$52,455
baseline
▲ 0.50% · 4.625%
HK$55,220
+HK$2,765/mo
Deposit HK$9.81M · loan HK$9.81M · min. income ≈ HK$104,910/mo (50% DSR)
Upfront cash ≈ HK$10.54M (deposit + AVD stamp duty HK$735,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,681
−HK$3,366/mo
▼ 0.25% · 3.875%
HK$55,351
−HK$1,696/mo
Today · 4.125%
HK$57,047
baseline
▲ 0.50% · 4.625%
HK$60,518
+HK$3,471/mo
Deposit HK$7.85M · loan HK$11.77M · min. income ≈ HK$114,094/mo (50% DSR)
Upfront cash ≈ HK$8.58M (deposit + AVD stamp duty HK$735,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,719
−HK$3,227/mo
▼ 0.25% · 3.875%
HK$61,321
−HK$1,625/mo
Today · 4.125%
HK$62,946
baseline
▲ 0.50% · 4.625%
HK$66,264
+HK$3,318/mo
Deposit HK$7.85M · loan HK$11.77M · min. income ≈ HK$125,892/mo (50% DSR)
Upfront cash ≈ HK$8.58M (deposit + AVD stamp duty HK$735,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,628
−HK$3,927/mo
▼ 0.25% · 3.875%
HK$64,576
−HK$1,979/mo
Today · 4.125%
HK$66,555
baseline
▲ 0.50% · 4.625%
HK$70,605
+HK$4,050/mo
Deposit HK$5.89M · loan HK$13.73M · min. income ≈ HK$133,110/mo (50% DSR)
Upfront cash ≈ HK$6.62M (deposit + AVD stamp duty HK$735,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,672
−HK$3,765/mo
▼ 0.25% · 3.875%
HK$71,541
−HK$1,896/mo
Today · 4.125%
HK$73,437
baseline
▲ 0.50% · 4.625%
HK$77,308
+HK$3,871/mo
Deposit HK$5.89M · loan HK$13.73M · min. income ≈ HK$146,874/mo (50% DSR)
Upfront cash ≈ HK$6.62M (deposit + AVD stamp duty HK$735,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,521
−HK$5,049/mo
▼ 0.25% · 3.875%
HK$83,026
−HK$2,544/mo
Today · 4.125%
HK$85,570
baseline
▲ 0.50% · 4.625%
HK$90,777
+HK$5,207/mo
Deposit HK$1.96M · loan HK$17.66M · min. income ≈ HK$171,140/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$735,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,579
−HK$4,840/mo
▼ 0.25% · 3.875%
HK$91,981
−HK$2,438/mo
Today · 4.125%
HK$94,419
baseline
▲ 0.50% · 4.625%
HK$99,396
+HK$4,977/mo
Deposit HK$1.96M · loan HK$17.66M · min. income ≈ HK$188,838/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$735,673 · Scale 2, in force from 26 Feb 2026)