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$44,937
−HK$2,818/mo
▼ 0.25% · 3.875%
HK$46,335
−HK$1,420/mo
Today · 4.125%
HK$47,755
baseline
▲ 0.50% · 4.625%
HK$50,660
+HK$2,905/mo
Deposit HK$9.85M · loan HK$9.85M · min. income ≈ HK$95,510/mo (50% DSR)
Upfront cash ≈ HK$10.59M (deposit + AVD stamp duty HK$739,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,992
−HK$2,701/mo
▼ 0.25% · 3.875%
HK$51,332
−HK$1,361/mo
Today · 4.125%
HK$52,693
baseline
▲ 0.50% · 4.625%
HK$55,470
+HK$2,777/mo
Deposit HK$9.85M · loan HK$9.85M · min. income ≈ HK$105,386/mo (50% DSR)
Upfront cash ≈ HK$10.59M (deposit + AVD stamp duty HK$739,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,924
−HK$3,382/mo
▼ 0.25% · 3.875%
HK$55,601
−HK$1,705/mo
Today · 4.125%
HK$57,306
baseline
▲ 0.50% · 4.625%
HK$60,793
+HK$3,487/mo
Deposit HK$7.88M · loan HK$11.82M · min. income ≈ HK$114,612/mo (50% DSR)
Upfront cash ≈ HK$8.62M (deposit + AVD stamp duty HK$739,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,990
−HK$3,241/mo
▼ 0.25% · 3.875%
HK$61,599
−HK$1,632/mo
Today · 4.125%
HK$63,231
baseline
▲ 0.50% · 4.625%
HK$66,564
+HK$3,333/mo
Deposit HK$7.88M · loan HK$11.82M · min. income ≈ HK$126,462/mo (50% DSR)
Upfront cash ≈ HK$8.62M (deposit + AVD stamp duty HK$739,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,911
−HK$3,946/mo
▼ 0.25% · 3.875%
HK$64,868
−HK$1,989/mo
Today · 4.125%
HK$66,857
baseline
▲ 0.50% · 4.625%
HK$70,925
+HK$4,068/mo
Deposit HK$5.91M · loan HK$13.79M · min. income ≈ HK$133,714/mo (50% DSR)
Upfront cash ≈ HK$6.65M (deposit + AVD stamp duty HK$739,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,988
−HK$3,782/mo
▼ 0.25% · 3.875%
HK$71,865
−HK$1,905/mo
Today · 4.125%
HK$73,770
baseline
▲ 0.50% · 4.625%
HK$77,658
+HK$3,888/mo
Deposit HK$5.91M · loan HK$13.79M · min. income ≈ HK$147,540/mo (50% DSR)
Upfront cash ≈ HK$6.65M (deposit + AVD stamp duty HK$739,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,886
−HK$5,072/mo
▼ 0.25% · 3.875%
HK$83,402
−HK$2,556/mo
Today · 4.125%
HK$85,958
baseline
▲ 0.50% · 4.625%
HK$91,189
+HK$5,231/mo
Deposit HK$1.97M · loan HK$17.74M · min. income ≈ HK$171,916/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$739,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,985
−HK$4,862/mo
▼ 0.25% · 3.875%
HK$92,398
−HK$2,449/mo
Today · 4.125%
HK$94,847
baseline
▲ 0.50% · 4.625%
HK$99,846
+HK$4,999/mo
Deposit HK$1.97M · loan HK$17.74M · min. income ≈ HK$189,694/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$739,009 · Scale 2, in force from 26 Feb 2026)