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$44,061
−HK$2,763/mo
▼ 0.25% · 3.875%
HK$45,432
−HK$1,392/mo
Today · 4.125%
HK$46,824
baseline
▲ 0.50% · 4.625%
HK$49,673
+HK$2,849/mo
Deposit HK$9.66M · loan HK$9.66M · min. income ≈ HK$93,648/mo (50% DSR)
Upfront cash ≈ HK$10.39M (deposit + AVD stamp duty HK$724,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,018
−HK$2,648/mo
▼ 0.25% · 3.875%
HK$50,332
−HK$1,334/mo
Today · 4.125%
HK$51,666
baseline
▲ 0.50% · 4.625%
HK$54,389
+HK$2,723/mo
Deposit HK$9.66M · loan HK$9.66M · min. income ≈ HK$103,332/mo (50% DSR)
Upfront cash ≈ HK$10.39M (deposit + AVD stamp duty HK$724,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,873
−HK$3,316/mo
▼ 0.25% · 3.875%
HK$54,518
−HK$1,671/mo
Today · 4.125%
HK$56,189
baseline
▲ 0.50% · 4.625%
HK$59,608
+HK$3,419/mo
Deposit HK$7.73M · loan HK$11.59M · min. income ≈ HK$112,378/mo (50% DSR)
Upfront cash ≈ HK$8.45M (deposit + AVD stamp duty HK$724,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,821
−HK$3,178/mo
▼ 0.25% · 3.875%
HK$60,399
−HK$1,600/mo
Today · 4.125%
HK$61,999
baseline
▲ 0.50% · 4.625%
HK$65,267
+HK$3,268/mo
Deposit HK$7.73M · loan HK$11.59M · min. income ≈ HK$123,998/mo (50% DSR)
Upfront cash ≈ HK$8.45M (deposit + AVD stamp duty HK$724,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,686
−HK$3,868/mo
▼ 0.25% · 3.875%
HK$63,604
−HK$1,950/mo
Today · 4.125%
HK$65,554
baseline
▲ 0.50% · 4.625%
HK$69,543
+HK$3,989/mo
Deposit HK$5.80M · loan HK$13.53M · min. income ≈ HK$131,108/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$724,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,625
−HK$3,707/mo
▼ 0.25% · 3.875%
HK$70,465
−HK$1,867/mo
Today · 4.125%
HK$72,332
baseline
▲ 0.50% · 4.625%
HK$76,145
+HK$3,813/mo
Deposit HK$5.80M · loan HK$13.53M · min. income ≈ HK$144,664/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$724,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,310
−HK$4,974/mo
▼ 0.25% · 3.875%
HK$81,777
−HK$2,507/mo
Today · 4.125%
HK$84,284
baseline
▲ 0.50% · 4.625%
HK$89,412
+HK$5,128/mo
Deposit HK$1.93M · loan HK$17.39M · min. income ≈ HK$168,568/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$724,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,232
−HK$4,767/mo
▼ 0.25% · 3.875%
HK$90,598
−HK$2,401/mo
Today · 4.125%
HK$92,999
baseline
▲ 0.50% · 4.625%
HK$97,901
+HK$4,902/mo
Deposit HK$1.93M · loan HK$17.39M · min. income ≈ HK$185,998/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$724,609 · Scale 2, in force from 26 Feb 2026)