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$44,511
−HK$2,791/mo
▼ 0.25% · 3.875%
HK$45,895
−HK$1,407/mo
Today · 4.125%
HK$47,302
baseline
▲ 0.50% · 4.625%
HK$50,180
+HK$2,878/mo
Deposit HK$9.76M · loan HK$9.76M · min. income ≈ HK$94,604/mo (50% DSR)
Upfront cash ≈ HK$10.49M (deposit + AVD stamp duty HK$731,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,518
−HK$2,675/mo
▼ 0.25% · 3.875%
HK$50,846
−HK$1,347/mo
Today · 4.125%
HK$52,193
baseline
▲ 0.50% · 4.625%
HK$54,944
+HK$2,751/mo
Deposit HK$9.76M · loan HK$9.76M · min. income ≈ HK$104,386/mo (50% DSR)
Upfront cash ≈ HK$10.49M (deposit + AVD stamp duty HK$731,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,413
−HK$3,349/mo
▼ 0.25% · 3.875%
HK$55,074
−HK$1,688/mo
Today · 4.125%
HK$56,762
baseline
▲ 0.50% · 4.625%
HK$60,216
+HK$3,454/mo
Deposit HK$7.81M · loan HK$11.71M · min. income ≈ HK$113,524/mo (50% DSR)
Upfront cash ≈ HK$8.54M (deposit + AVD stamp duty HK$731,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,421
−HK$3,210/mo
▼ 0.25% · 3.875%
HK$61,015
−HK$1,616/mo
Today · 4.125%
HK$62,631
baseline
▲ 0.50% · 4.625%
HK$65,933
+HK$3,302/mo
Deposit HK$7.81M · loan HK$11.71M · min. income ≈ HK$125,262/mo (50% DSR)
Upfront cash ≈ HK$8.54M (deposit + AVD stamp duty HK$731,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,315
−HK$3,907/mo
▼ 0.25% · 3.875%
HK$64,253
−HK$1,969/mo
Today · 4.125%
HK$66,222
baseline
▲ 0.50% · 4.625%
HK$70,252
+HK$4,030/mo
Deposit HK$5.86M · loan HK$13.66M · min. income ≈ HK$132,444/mo (50% DSR)
Upfront cash ≈ HK$6.59M (deposit + AVD stamp duty HK$731,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,325
−HK$3,745/mo
▼ 0.25% · 3.875%
HK$71,184
−HK$1,886/mo
Today · 4.125%
HK$73,070
baseline
▲ 0.50% · 4.625%
HK$76,922
+HK$3,852/mo
Deposit HK$5.86M · loan HK$13.66M · min. income ≈ HK$146,140/mo (50% DSR)
Upfront cash ≈ HK$6.59M (deposit + AVD stamp duty HK$731,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,119
−HK$5,024/mo
▼ 0.25% · 3.875%
HK$82,611
−HK$2,532/mo
Today · 4.125%
HK$85,143
baseline
▲ 0.50% · 4.625%
HK$90,324
+HK$5,181/mo
Deposit HK$1.95M · loan HK$17.57M · min. income ≈ HK$170,286/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$731,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,132
−HK$4,815/mo
▼ 0.25% · 3.875%
HK$91,522
−HK$2,425/mo
Today · 4.125%
HK$93,947
baseline
▲ 0.50% · 4.625%
HK$98,899
+HK$4,952/mo
Deposit HK$1.95M · loan HK$17.57M · min. income ≈ HK$187,894/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$731,999 · Scale 2, in force from 26 Feb 2026)