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$44,283
−HK$2,777/mo
▼ 0.25% · 3.875%
HK$45,660
−HK$1,400/mo
Today · 4.125%
HK$47,060
baseline
▲ 0.50% · 4.625%
HK$49,923
+HK$2,863/mo
Deposit HK$9.71M · loan HK$9.71M · min. income ≈ HK$94,120/mo (50% DSR)
Upfront cash ≈ HK$10.44M (deposit + AVD stamp duty HK$728,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,264
−HK$2,662/mo
▼ 0.25% · 3.875%
HK$50,585
−HK$1,341/mo
Today · 4.125%
HK$51,926
baseline
▲ 0.50% · 4.625%
HK$54,663
+HK$2,737/mo
Deposit HK$9.71M · loan HK$9.71M · min. income ≈ HK$103,852/mo (50% DSR)
Upfront cash ≈ HK$10.44M (deposit + AVD stamp duty HK$728,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,139
−HK$3,333/mo
▼ 0.25% · 3.875%
HK$54,792
−HK$1,680/mo
Today · 4.125%
HK$56,472
baseline
▲ 0.50% · 4.625%
HK$59,908
+HK$3,436/mo
Deposit HK$7.77M · loan HK$11.65M · min. income ≈ HK$112,944/mo (50% DSR)
Upfront cash ≈ HK$8.50M (deposit + AVD stamp duty HK$728,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,117
−HK$3,194/mo
▼ 0.25% · 3.875%
HK$60,702
−HK$1,609/mo
Today · 4.125%
HK$62,311
baseline
▲ 0.50% · 4.625%
HK$65,595
+HK$3,284/mo
Deposit HK$7.77M · loan HK$11.65M · min. income ≈ HK$124,622/mo (50% DSR)
Upfront cash ≈ HK$8.50M (deposit + AVD stamp duty HK$728,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,996
−HK$3,888/mo
▼ 0.25% · 3.875%
HK$63,924
−HK$1,960/mo
Today · 4.125%
HK$65,884
baseline
▲ 0.50% · 4.625%
HK$69,892
+HK$4,008/mo
Deposit HK$5.83M · loan HK$13.59M · min. income ≈ HK$131,768/mo (50% DSR)
Upfront cash ≈ HK$6.55M (deposit + AVD stamp duty HK$728,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,970
−HK$3,726/mo
▼ 0.25% · 3.875%
HK$70,820
−HK$1,876/mo
Today · 4.125%
HK$72,696
baseline
▲ 0.50% · 4.625%
HK$76,528
+HK$3,832/mo
Deposit HK$5.83M · loan HK$13.59M · min. income ≈ HK$145,392/mo (50% DSR)
Upfront cash ≈ HK$6.55M (deposit + AVD stamp duty HK$728,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,709
−HK$4,998/mo
▼ 0.25% · 3.875%
HK$82,188
−HK$2,519/mo
Today · 4.125%
HK$84,707
baseline
▲ 0.50% · 4.625%
HK$89,862
+HK$5,155/mo
Deposit HK$1.94M · loan HK$17.48M · min. income ≈ HK$169,414/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$728,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,675
−HK$4,791/mo
▼ 0.25% · 3.875%
HK$91,054
−HK$2,412/mo
Today · 4.125%
HK$93,466
baseline
▲ 0.50% · 4.625%
HK$98,393
+HK$4,927/mo
Deposit HK$1.94M · loan HK$17.48M · min. income ≈ HK$186,932/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$728,254 · Scale 2, in force from 26 Feb 2026)