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$44,639
−HK$2,800/mo
▼ 0.25% · 3.875%
HK$46,028
−HK$1,411/mo
Today · 4.125%
HK$47,439
baseline
▲ 0.50% · 4.625%
HK$50,325
+HK$2,886/mo
Deposit HK$9.79M · loan HK$9.79M · min. income ≈ HK$94,878/mo (50% DSR)
Upfront cash ≈ HK$10.52M (deposit + AVD stamp duty HK$734,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,661
−HK$2,683/mo
▼ 0.25% · 3.875%
HK$50,993
−HK$1,351/mo
Today · 4.125%
HK$52,344
baseline
▲ 0.50% · 4.625%
HK$55,103
+HK$2,759/mo
Deposit HK$9.79M · loan HK$9.79M · min. income ≈ HK$104,688/mo (50% DSR)
Upfront cash ≈ HK$10.52M (deposit + AVD stamp duty HK$734,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,567
−HK$3,359/mo
▼ 0.25% · 3.875%
HK$55,233
−HK$1,693/mo
Today · 4.125%
HK$56,926
baseline
▲ 0.50% · 4.625%
HK$60,390
+HK$3,464/mo
Deposit HK$7.83M · loan HK$11.75M · min. income ≈ HK$113,852/mo (50% DSR)
Upfront cash ≈ HK$8.56M (deposit + AVD stamp duty HK$734,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,593
−HK$3,220/mo
▼ 0.25% · 3.875%
HK$61,191
−HK$1,622/mo
Today · 4.125%
HK$62,813
baseline
▲ 0.50% · 4.625%
HK$66,124
+HK$3,311/mo
Deposit HK$7.83M · loan HK$11.75M · min. income ≈ HK$125,626/mo (50% DSR)
Upfront cash ≈ HK$8.56M (deposit + AVD stamp duty HK$734,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,495
−HK$3,919/mo
▼ 0.25% · 3.875%
HK$64,439
−HK$1,975/mo
Today · 4.125%
HK$66,414
baseline
▲ 0.50% · 4.625%
HK$70,455
+HK$4,041/mo
Deposit HK$5.87M · loan HK$13.70M · min. income ≈ HK$132,828/mo (50% DSR)
Upfront cash ≈ HK$6.61M (deposit + AVD stamp duty HK$734,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,525
−HK$3,756/mo
▼ 0.25% · 3.875%
HK$71,390
−HK$1,891/mo
Today · 4.125%
HK$73,281
baseline
▲ 0.50% · 4.625%
HK$77,144
+HK$3,863/mo
Deposit HK$5.87M · loan HK$13.70M · min. income ≈ HK$146,562/mo (50% DSR)
Upfront cash ≈ HK$6.61M (deposit + AVD stamp duty HK$734,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,351
−HK$5,038/mo
▼ 0.25% · 3.875%
HK$82,850
−HK$2,539/mo
Today · 4.125%
HK$85,389
baseline
▲ 0.50% · 4.625%
HK$90,585
+HK$5,196/mo
Deposit HK$1.96M · loan HK$17.62M · min. income ≈ HK$170,778/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$734,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,389
−HK$4,830/mo
▼ 0.25% · 3.875%
HK$91,787
−HK$2,432/mo
Today · 4.125%
HK$94,219
baseline
▲ 0.50% · 4.625%
HK$99,185
+HK$4,966/mo
Deposit HK$1.96M · loan HK$17.62M · min. income ≈ HK$188,438/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$734,117 · Scale 2, in force from 26 Feb 2026)