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$44,661
−HK$2,801/mo
▼ 0.25% · 3.875%
HK$46,051
−HK$1,411/mo
Today · 4.125%
HK$47,462
baseline
▲ 0.50% · 4.625%
HK$50,350
+HK$2,888/mo
Deposit HK$9.79M · loan HK$9.79M · min. income ≈ HK$94,924/mo (50% DSR)
Upfront cash ≈ HK$10.53M (deposit + AVD stamp duty HK$734,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,685
−HK$2,685/mo
▼ 0.25% · 3.875%
HK$51,018
−HK$1,352/mo
Today · 4.125%
HK$52,370
baseline
▲ 0.50% · 4.625%
HK$55,130
+HK$2,760/mo
Deposit HK$9.79M · loan HK$9.79M · min. income ≈ HK$104,740/mo (50% DSR)
Upfront cash ≈ HK$10.53M (deposit + AVD stamp duty HK$734,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,594
−HK$3,360/mo
▼ 0.25% · 3.875%
HK$55,261
−HK$1,693/mo
Today · 4.125%
HK$56,954
baseline
▲ 0.50% · 4.625%
HK$60,420
+HK$3,466/mo
Deposit HK$7.83M · loan HK$11.75M · min. income ≈ HK$113,908/mo (50% DSR)
Upfront cash ≈ HK$8.57M (deposit + AVD stamp duty HK$734,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,622
−HK$3,221/mo
▼ 0.25% · 3.875%
HK$61,221
−HK$1,622/mo
Today · 4.125%
HK$62,843
baseline
▲ 0.50% · 4.625%
HK$66,156
+HK$3,313/mo
Deposit HK$7.83M · loan HK$11.75M · min. income ≈ HK$125,686/mo (50% DSR)
Upfront cash ≈ HK$8.57M (deposit + AVD stamp duty HK$734,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,526
−HK$3,921/mo
▼ 0.25% · 3.875%
HK$64,471
−HK$1,976/mo
Today · 4.125%
HK$66,447
baseline
▲ 0.50% · 4.625%
HK$70,490
+HK$4,043/mo
Deposit HK$5.88M · loan HK$13.71M · min. income ≈ HK$132,894/mo (50% DSR)
Upfront cash ≈ HK$6.61M (deposit + AVD stamp duty HK$734,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,559
−HK$3,758/mo
▼ 0.25% · 3.875%
HK$71,425
−HK$1,892/mo
Today · 4.125%
HK$73,317
baseline
▲ 0.50% · 4.625%
HK$77,182
+HK$3,865/mo
Deposit HK$5.88M · loan HK$13.71M · min. income ≈ HK$146,634/mo (50% DSR)
Upfront cash ≈ HK$6.61M (deposit + AVD stamp duty HK$734,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,390
−HK$5,042/mo
▼ 0.25% · 3.875%
HK$82,891
−HK$2,541/mo
Today · 4.125%
HK$85,432
baseline
▲ 0.50% · 4.625%
HK$90,630
+HK$5,198/mo
Deposit HK$1.96M · loan HK$17.63M · min. income ≈ HK$170,864/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$734,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,433
−HK$4,832/mo
▼ 0.25% · 3.875%
HK$91,832
−HK$2,433/mo
Today · 4.125%
HK$94,265
baseline
▲ 0.50% · 4.625%
HK$99,234
+HK$4,969/mo
Deposit HK$1.96M · loan HK$17.63M · min. income ≈ HK$188,530/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$734,479 · Scale 2, in force from 26 Feb 2026)