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$44,313
−HK$2,778/mo
▼ 0.25% · 3.875%
HK$45,691
−HK$1,400/mo
Today · 4.125%
HK$47,091
baseline
▲ 0.50% · 4.625%
HK$49,957
+HK$2,866/mo
Deposit HK$9.72M · loan HK$9.72M · min. income ≈ HK$94,182/mo (50% DSR)
Upfront cash ≈ HK$10.45M (deposit + AVD stamp duty HK$728,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,297
−HK$2,664/mo
▼ 0.25% · 3.875%
HK$50,619
−HK$1,342/mo
Today · 4.125%
HK$51,961
baseline
▲ 0.50% · 4.625%
HK$54,700
+HK$2,739/mo
Deposit HK$9.72M · loan HK$9.72M · min. income ≈ HK$103,922/mo (50% DSR)
Upfront cash ≈ HK$10.45M (deposit + AVD stamp duty HK$728,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,175
−HK$3,335/mo
▼ 0.25% · 3.875%
HK$54,829
−HK$1,681/mo
Today · 4.125%
HK$56,510
baseline
▲ 0.50% · 4.625%
HK$59,948
+HK$3,438/mo
Deposit HK$7.77M · loan HK$11.66M · min. income ≈ HK$113,020/mo (50% DSR)
Upfront cash ≈ HK$8.50M (deposit + AVD stamp duty HK$728,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,157
−HK$3,196/mo
▼ 0.25% · 3.875%
HK$60,743
−HK$1,610/mo
Today · 4.125%
HK$62,353
baseline
▲ 0.50% · 4.625%
HK$65,640
+HK$3,287/mo
Deposit HK$7.77M · loan HK$11.66M · min. income ≈ HK$124,706/mo (50% DSR)
Upfront cash ≈ HK$8.50M (deposit + AVD stamp duty HK$728,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,038
−HK$3,890/mo
▼ 0.25% · 3.875%
HK$63,967
−HK$1,961/mo
Today · 4.125%
HK$65,928
baseline
▲ 0.50% · 4.625%
HK$69,939
+HK$4,011/mo
Deposit HK$5.83M · loan HK$13.60M · min. income ≈ HK$131,856/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$728,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,016
−HK$3,729/mo
▼ 0.25% · 3.875%
HK$70,867
−HK$1,878/mo
Today · 4.125%
HK$72,745
baseline
▲ 0.50% · 4.625%
HK$76,579
+HK$3,834/mo
Deposit HK$5.83M · loan HK$13.60M · min. income ≈ HK$145,490/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$728,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,763
−HK$5,001/mo
▼ 0.25% · 3.875%
HK$82,244
−HK$2,520/mo
Today · 4.125%
HK$84,764
baseline
▲ 0.50% · 4.625%
HK$89,922
+HK$5,158/mo
Deposit HK$1.94M · loan HK$17.49M · min. income ≈ HK$169,528/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$728,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,735
−HK$4,794/mo
▼ 0.25% · 3.875%
HK$91,115
−HK$2,414/mo
Today · 4.125%
HK$93,529
baseline
▲ 0.50% · 4.625%
HK$98,459
+HK$4,930/mo
Deposit HK$1.94M · loan HK$17.49M · min. income ≈ HK$187,058/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$728,744 · Scale 2, in force from 26 Feb 2026)