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$44,067
−HK$2,763/mo
▼ 0.25% · 3.875%
HK$45,437
−HK$1,393/mo
Today · 4.125%
HK$46,830
baseline
▲ 0.50% · 4.625%
HK$49,679
+HK$2,849/mo
Deposit HK$9.66M · loan HK$9.66M · min. income ≈ HK$93,660/mo (50% DSR)
Upfront cash ≈ HK$10.39M (deposit + AVD stamp duty HK$724,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,024
−HK$2,648/mo
▼ 0.25% · 3.875%
HK$50,338
−HK$1,334/mo
Today · 4.125%
HK$51,672
baseline
▲ 0.50% · 4.625%
HK$54,396
+HK$2,724/mo
Deposit HK$9.66M · loan HK$9.66M · min. income ≈ HK$103,344/mo (50% DSR)
Upfront cash ≈ HK$10.39M (deposit + AVD stamp duty HK$724,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,880
−HK$3,316/mo
▼ 0.25% · 3.875%
HK$54,525
−HK$1,671/mo
Today · 4.125%
HK$56,196
baseline
▲ 0.50% · 4.625%
HK$59,615
+HK$3,419/mo
Deposit HK$7.73M · loan HK$11.60M · min. income ≈ HK$112,392/mo (50% DSR)
Upfront cash ≈ HK$8.45M (deposit + AVD stamp duty HK$724,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,828
−HK$3,179/mo
▼ 0.25% · 3.875%
HK$60,406
−HK$1,601/mo
Today · 4.125%
HK$62,007
baseline
▲ 0.50% · 4.625%
HK$65,275
+HK$3,268/mo
Deposit HK$7.73M · loan HK$11.60M · min. income ≈ HK$124,014/mo (50% DSR)
Upfront cash ≈ HK$8.45M (deposit + AVD stamp duty HK$724,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,693
−HK$3,869/mo
▼ 0.25% · 3.875%
HK$63,612
−HK$1,950/mo
Today · 4.125%
HK$65,562
baseline
▲ 0.50% · 4.625%
HK$69,551
+HK$3,989/mo
Deposit HK$5.80M · loan HK$13.53M · min. income ≈ HK$131,124/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$724,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,633
−HK$3,708/mo
▼ 0.25% · 3.875%
HK$70,474
−HK$1,867/mo
Today · 4.125%
HK$72,341
baseline
▲ 0.50% · 4.625%
HK$76,154
+HK$3,813/mo
Deposit HK$5.80M · loan HK$13.53M · min. income ≈ HK$144,682/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$724,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,320
−HK$4,974/mo
▼ 0.25% · 3.875%
HK$81,787
−HK$2,507/mo
Today · 4.125%
HK$84,294
baseline
▲ 0.50% · 4.625%
HK$89,423
+HK$5,129/mo
Deposit HK$1.93M · loan HK$17.39M · min. income ≈ HK$168,588/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$724,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,242
−HK$4,768/mo
▼ 0.25% · 3.875%
HK$90,609
−HK$2,401/mo
Today · 4.125%
HK$93,010
baseline
▲ 0.50% · 4.625%
HK$97,913
+HK$4,903/mo
Deposit HK$1.93M · loan HK$17.39M · min. income ≈ HK$186,020/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$724,697 · Scale 2, in force from 26 Feb 2026)