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$44,609
−HK$2,797/mo
▼ 0.25% · 3.875%
HK$45,996
−HK$1,410/mo
Today · 4.125%
HK$47,406
baseline
▲ 0.50% · 4.625%
HK$50,291
+HK$2,885/mo
Deposit HK$9.78M · loan HK$9.78M · min. income ≈ HK$94,812/mo (50% DSR)
Upfront cash ≈ HK$10.52M (deposit + AVD stamp duty HK$733,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,627
−HK$2,681/mo
▼ 0.25% · 3.875%
HK$50,958
−HK$1,350/mo
Today · 4.125%
HK$52,308
baseline
▲ 0.50% · 4.625%
HK$55,065
+HK$2,757/mo
Deposit HK$9.78M · loan HK$9.78M · min. income ≈ HK$104,616/mo (50% DSR)
Upfront cash ≈ HK$10.52M (deposit + AVD stamp duty HK$733,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,531
−HK$3,356/mo
▼ 0.25% · 3.875%
HK$55,196
−HK$1,691/mo
Today · 4.125%
HK$56,887
baseline
▲ 0.50% · 4.625%
HK$60,349
+HK$3,462/mo
Deposit HK$7.83M · loan HK$11.74M · min. income ≈ HK$113,774/mo (50% DSR)
Upfront cash ≈ HK$8.56M (deposit + AVD stamp duty HK$733,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,552
−HK$3,218/mo
▼ 0.25% · 3.875%
HK$61,149
−HK$1,621/mo
Today · 4.125%
HK$62,770
baseline
▲ 0.50% · 4.625%
HK$66,078
+HK$3,308/mo
Deposit HK$7.83M · loan HK$11.74M · min. income ≈ HK$125,540/mo (50% DSR)
Upfront cash ≈ HK$8.56M (deposit + AVD stamp duty HK$733,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,452
−HK$3,917/mo
▼ 0.25% · 3.875%
HK$64,395
−HK$1,974/mo
Today · 4.125%
HK$66,369
baseline
▲ 0.50% · 4.625%
HK$70,407
+HK$4,038/mo
Deposit HK$5.87M · loan HK$13.69M · min. income ≈ HK$132,738/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$733,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,478
−HK$3,753/mo
▼ 0.25% · 3.875%
HK$71,341
−HK$1,890/mo
Today · 4.125%
HK$73,231
baseline
▲ 0.50% · 4.625%
HK$77,091
+HK$3,860/mo
Deposit HK$5.87M · loan HK$13.69M · min. income ≈ HK$146,462/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$733,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,296
−HK$5,035/mo
▼ 0.25% · 3.875%
HK$82,794
−HK$2,537/mo
Today · 4.125%
HK$85,331
baseline
▲ 0.50% · 4.625%
HK$90,523
+HK$5,192/mo
Deposit HK$1.96M · loan HK$17.61M · min. income ≈ HK$170,662/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$733,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,328
−HK$4,827/mo
▼ 0.25% · 3.875%
HK$91,724
−HK$2,431/mo
Today · 4.125%
HK$94,155
baseline
▲ 0.50% · 4.625%
HK$99,118
+HK$4,963/mo
Deposit HK$1.96M · loan HK$17.61M · min. income ≈ HK$188,310/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$733,616 · Scale 2, in force from 26 Feb 2026)