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$44,961
−HK$2,820/mo
▼ 0.25% · 3.875%
HK$46,360
−HK$1,421/mo
Today · 4.125%
HK$47,781
baseline
▲ 0.50% · 4.625%
HK$50,688
+HK$2,907/mo
Deposit HK$9.86M · loan HK$9.86M · min. income ≈ HK$95,562/mo (50% DSR)
Upfront cash ≈ HK$10.60M (deposit + AVD stamp duty HK$739,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,019
−HK$2,702/mo
▼ 0.25% · 3.875%
HK$51,360
−HK$1,361/mo
Today · 4.125%
HK$52,721
baseline
▲ 0.50% · 4.625%
HK$55,500
+HK$2,779/mo
Deposit HK$9.86M · loan HK$9.86M · min. income ≈ HK$105,442/mo (50% DSR)
Upfront cash ≈ HK$10.60M (deposit + AVD stamp duty HK$739,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,953
−HK$3,384/mo
▼ 0.25% · 3.875%
HK$55,632
−HK$1,705/mo
Today · 4.125%
HK$57,337
baseline
▲ 0.50% · 4.625%
HK$60,826
+HK$3,489/mo
Deposit HK$7.89M · loan HK$11.83M · min. income ≈ HK$114,674/mo (50% DSR)
Upfront cash ≈ HK$8.63M (deposit + AVD stamp duty HK$739,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,023
−HK$3,242/mo
▼ 0.25% · 3.875%
HK$61,632
−HK$1,633/mo
Today · 4.125%
HK$63,265
baseline
▲ 0.50% · 4.625%
HK$66,600
+HK$3,335/mo
Deposit HK$7.89M · loan HK$11.83M · min. income ≈ HK$126,530/mo (50% DSR)
Upfront cash ≈ HK$8.63M (deposit + AVD stamp duty HK$739,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,946
−HK$3,947/mo
▼ 0.25% · 3.875%
HK$64,904
−HK$1,989/mo
Today · 4.125%
HK$66,893
baseline
▲ 0.50% · 4.625%
HK$70,963
+HK$4,070/mo
Deposit HK$5.92M · loan HK$13.80M · min. income ≈ HK$133,786/mo (50% DSR)
Upfront cash ≈ HK$6.65M (deposit + AVD stamp duty HK$739,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,026
−HK$3,784/mo
▼ 0.25% · 3.875%
HK$71,904
−HK$1,906/mo
Today · 4.125%
HK$73,810
baseline
▲ 0.50% · 4.625%
HK$77,700
+HK$3,890/mo
Deposit HK$5.92M · loan HK$13.80M · min. income ≈ HK$147,620/mo (50% DSR)
Upfront cash ≈ HK$6.65M (deposit + AVD stamp duty HK$739,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,930
−HK$5,075/mo
▼ 0.25% · 3.875%
HK$83,447
−HK$2,558/mo
Today · 4.125%
HK$86,005
baseline
▲ 0.50% · 4.625%
HK$91,238
+HK$5,233/mo
Deposit HK$1.97M · loan HK$17.75M · min. income ≈ HK$172,010/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$739,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,034
−HK$4,864/mo
▼ 0.25% · 3.875%
HK$92,449
−HK$2,449/mo
Today · 4.125%
HK$94,898
baseline
▲ 0.50% · 4.625%
HK$99,900
+HK$5,002/mo
Deposit HK$1.97M · loan HK$17.75M · min. income ≈ HK$189,796/mo (50% DSR)
Upfront cash ≈ HK$2.71M (deposit + AVD stamp duty HK$739,410 · Scale 2, in force from 26 Feb 2026)