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$44,131
−HK$2,768/mo
▼ 0.25% · 3.875%
HK$45,504
−HK$1,395/mo
Today · 4.125%
HK$46,899
baseline
▲ 0.50% · 4.625%
HK$49,752
+HK$2,853/mo
Deposit HK$9.68M · loan HK$9.68M · min. income ≈ HK$93,798/mo (50% DSR)
Upfront cash ≈ HK$10.40M (deposit + AVD stamp duty HK$725,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,096
−HK$2,652/mo
▼ 0.25% · 3.875%
HK$50,412
−HK$1,336/mo
Today · 4.125%
HK$51,748
baseline
▲ 0.50% · 4.625%
HK$54,476
+HK$2,728/mo
Deposit HK$9.68M · loan HK$9.68M · min. income ≈ HK$103,496/mo (50% DSR)
Upfront cash ≈ HK$10.40M (deposit + AVD stamp duty HK$725,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,957
−HK$3,321/mo
▼ 0.25% · 3.875%
HK$54,605
−HK$1,673/mo
Today · 4.125%
HK$56,278
baseline
▲ 0.50% · 4.625%
HK$59,703
+HK$3,425/mo
Deposit HK$7.74M · loan HK$11.61M · min. income ≈ HK$112,556/mo (50% DSR)
Upfront cash ≈ HK$8.47M (deposit + AVD stamp duty HK$725,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,915
−HK$3,183/mo
▼ 0.25% · 3.875%
HK$60,495
−HK$1,603/mo
Today · 4.125%
HK$62,098
baseline
▲ 0.50% · 4.625%
HK$65,371
+HK$3,273/mo
Deposit HK$7.74M · loan HK$11.61M · min. income ≈ HK$124,196/mo (50% DSR)
Upfront cash ≈ HK$8.47M (deposit + AVD stamp duty HK$725,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,784
−HK$3,874/mo
▼ 0.25% · 3.875%
HK$63,706
−HK$1,952/mo
Today · 4.125%
HK$65,658
baseline
▲ 0.50% · 4.625%
HK$69,653
+HK$3,995/mo
Deposit HK$5.81M · loan HK$13.55M · min. income ≈ HK$131,316/mo (50% DSR)
Upfront cash ≈ HK$6.53M (deposit + AVD stamp duty HK$725,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,734
−HK$3,713/mo
▼ 0.25% · 3.875%
HK$70,577
−HK$1,870/mo
Today · 4.125%
HK$72,447
baseline
▲ 0.50% · 4.625%
HK$76,266
+HK$3,819/mo
Deposit HK$5.81M · loan HK$13.55M · min. income ≈ HK$144,894/mo (50% DSR)
Upfront cash ≈ HK$6.53M (deposit + AVD stamp duty HK$725,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,436
−HK$4,982/mo
▼ 0.25% · 3.875%
HK$81,907
−HK$2,511/mo
Today · 4.125%
HK$84,418
baseline
▲ 0.50% · 4.625%
HK$89,554
+HK$5,136/mo
Deposit HK$1.94M · loan HK$17.42M · min. income ≈ HK$168,836/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$725,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,372
−HK$4,774/mo
▼ 0.25% · 3.875%
HK$90,742
−HK$2,404/mo
Today · 4.125%
HK$93,146
baseline
▲ 0.50% · 4.625%
HK$98,056
+HK$4,910/mo
Deposit HK$1.94M · loan HK$17.42M · min. income ≈ HK$186,292/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$725,762 · Scale 2, in force from 26 Feb 2026)