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$44,444
−HK$2,787/mo
▼ 0.25% · 3.875%
HK$45,826
−HK$1,405/mo
Today · 4.125%
HK$47,231
baseline
▲ 0.50% · 4.625%
HK$50,105
+HK$2,874/mo
Deposit HK$9.75M · loan HK$9.75M · min. income ≈ HK$94,462/mo (50% DSR)
Upfront cash ≈ HK$10.48M (deposit + AVD stamp duty HK$730,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,443
−HK$2,671/mo
▼ 0.25% · 3.875%
HK$50,769
−HK$1,345/mo
Today · 4.125%
HK$52,114
baseline
▲ 0.50% · 4.625%
HK$54,861
+HK$2,747/mo
Deposit HK$9.75M · loan HK$9.75M · min. income ≈ HK$104,228/mo (50% DSR)
Upfront cash ≈ HK$10.48M (deposit + AVD stamp duty HK$730,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,332
−HK$3,345/mo
▼ 0.25% · 3.875%
HK$54,991
−HK$1,686/mo
Today · 4.125%
HK$56,677
baseline
▲ 0.50% · 4.625%
HK$60,126
+HK$3,449/mo
Deposit HK$7.80M · loan HK$11.69M · min. income ≈ HK$113,354/mo (50% DSR)
Upfront cash ≈ HK$8.53M (deposit + AVD stamp duty HK$730,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,332
−HK$3,205/mo
▼ 0.25% · 3.875%
HK$60,923
−HK$1,614/mo
Today · 4.125%
HK$62,537
baseline
▲ 0.50% · 4.625%
HK$65,834
+HK$3,297/mo
Deposit HK$7.80M · loan HK$11.69M · min. income ≈ HK$125,074/mo (50% DSR)
Upfront cash ≈ HK$8.53M (deposit + AVD stamp duty HK$730,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,221
−HK$3,902/mo
▼ 0.25% · 3.875%
HK$64,157
−HK$1,966/mo
Today · 4.125%
HK$66,123
baseline
▲ 0.50% · 4.625%
HK$70,146
+HK$4,023/mo
Deposit HK$5.85M · loan HK$13.64M · min. income ≈ HK$132,246/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$730,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,220
−HK$3,740/mo
▼ 0.25% · 3.875%
HK$71,077
−HK$1,883/mo
Today · 4.125%
HK$72,960
baseline
▲ 0.50% · 4.625%
HK$76,806
+HK$3,846/mo
Deposit HK$5.85M · loan HK$13.64M · min. income ≈ HK$145,920/mo (50% DSR)
Upfront cash ≈ HK$6.58M (deposit + AVD stamp duty HK$730,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,999
−HK$5,016/mo
▼ 0.25% · 3.875%
HK$82,487
−HK$2,528/mo
Today · 4.125%
HK$85,015
baseline
▲ 0.50% · 4.625%
HK$90,188
+HK$5,173/mo
Deposit HK$1.95M · loan HK$17.54M · min. income ≈ HK$170,030/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$730,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,998
−HK$4,808/mo
▼ 0.25% · 3.875%
HK$91,385
−HK$2,421/mo
Today · 4.125%
HK$93,806
baseline
▲ 0.50% · 4.625%
HK$98,751
+HK$4,945/mo
Deposit HK$1.95M · loan HK$17.54M · min. income ≈ HK$187,612/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$730,900 · Scale 2, in force from 26 Feb 2026)