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$44,692
−HK$2,802/mo
▼ 0.25% · 3.875%
HK$46,082
−HK$1,412/mo
Today · 4.125%
HK$47,494
baseline
▲ 0.50% · 4.625%
HK$50,384
+HK$2,890/mo
Deposit HK$9.80M · loan HK$9.80M · min. income ≈ HK$94,988/mo (50% DSR)
Upfront cash ≈ HK$10.53M (deposit + AVD stamp duty HK$734,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,719
−HK$2,686/mo
▼ 0.25% · 3.875%
HK$51,053
−HK$1,352/mo
Today · 4.125%
HK$52,405
baseline
▲ 0.50% · 4.625%
HK$55,168
+HK$2,763/mo
Deposit HK$9.80M · loan HK$9.80M · min. income ≈ HK$104,810/mo (50% DSR)
Upfront cash ≈ HK$10.53M (deposit + AVD stamp duty HK$734,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,630
−HK$3,363/mo
▼ 0.25% · 3.875%
HK$55,298
−HK$1,695/mo
Today · 4.125%
HK$56,993
baseline
▲ 0.50% · 4.625%
HK$60,461
+HK$3,468/mo
Deposit HK$7.84M · loan HK$11.76M · min. income ≈ HK$113,986/mo (50% DSR)
Upfront cash ≈ HK$8.57M (deposit + AVD stamp duty HK$734,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,663
−HK$3,223/mo
▼ 0.25% · 3.875%
HK$61,263
−HK$1,623/mo
Today · 4.125%
HK$62,886
baseline
▲ 0.50% · 4.625%
HK$66,201
+HK$3,315/mo
Deposit HK$7.84M · loan HK$11.76M · min. income ≈ HK$125,772/mo (50% DSR)
Upfront cash ≈ HK$8.57M (deposit + AVD stamp duty HK$734,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,568
−HK$3,924/mo
▼ 0.25% · 3.875%
HK$64,515
−HK$1,977/mo
Today · 4.125%
HK$66,492
baseline
▲ 0.50% · 4.625%
HK$70,538
+HK$4,046/mo
Deposit HK$5.88M · loan HK$13.72M · min. income ≈ HK$132,984/mo (50% DSR)
Upfront cash ≈ HK$6.61M (deposit + AVD stamp duty HK$734,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,607
−HK$3,760/mo
▼ 0.25% · 3.875%
HK$71,474
−HK$1,893/mo
Today · 4.125%
HK$73,367
baseline
▲ 0.50% · 4.625%
HK$77,235
+HK$3,868/mo
Deposit HK$5.88M · loan HK$13.72M · min. income ≈ HK$146,734/mo (50% DSR)
Upfront cash ≈ HK$6.61M (deposit + AVD stamp duty HK$734,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,445
−HK$5,045/mo
▼ 0.25% · 3.875%
HK$82,947
−HK$2,543/mo
Today · 4.125%
HK$85,490
baseline
▲ 0.50% · 4.625%
HK$90,692
+HK$5,202/mo
Deposit HK$1.96M · loan HK$17.64M · min. income ≈ HK$170,980/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$734,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,494
−HK$4,836/mo
▼ 0.25% · 3.875%
HK$91,895
−HK$2,435/mo
Today · 4.125%
HK$94,330
baseline
▲ 0.50% · 4.625%
HK$99,302
+HK$4,972/mo
Deposit HK$1.96M · loan HK$17.64M · min. income ≈ HK$188,660/mo (50% DSR)
Upfront cash ≈ HK$2.69M (deposit + AVD stamp duty HK$734,980 · Scale 2, in force from 26 Feb 2026)