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$44,271
−HK$2,776/mo
▼ 0.25% · 3.875%
HK$45,648
−HK$1,399/mo
Today · 4.125%
HK$47,047
baseline
▲ 0.50% · 4.625%
HK$49,910
+HK$2,863/mo
Deposit HK$9.71M · loan HK$9.71M · min. income ≈ HK$94,094/mo (50% DSR)
Upfront cash ≈ HK$10.44M (deposit + AVD stamp duty HK$728,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,251
−HK$2,661/mo
▼ 0.25% · 3.875%
HK$50,572
−HK$1,340/mo
Today · 4.125%
HK$51,912
baseline
▲ 0.50% · 4.625%
HK$54,648
+HK$2,736/mo
Deposit HK$9.71M · loan HK$9.71M · min. income ≈ HK$103,824/mo (50% DSR)
Upfront cash ≈ HK$10.44M (deposit + AVD stamp duty HK$728,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,125
−HK$3,332/mo
▼ 0.25% · 3.875%
HK$54,778
−HK$1,679/mo
Today · 4.125%
HK$56,457
baseline
▲ 0.50% · 4.625%
HK$59,892
+HK$3,435/mo
Deposit HK$7.77M · loan HK$11.65M · min. income ≈ HK$112,914/mo (50% DSR)
Upfront cash ≈ HK$8.49M (deposit + AVD stamp duty HK$728,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,101
−HK$3,193/mo
▼ 0.25% · 3.875%
HK$60,686
−HK$1,608/mo
Today · 4.125%
HK$62,294
baseline
▲ 0.50% · 4.625%
HK$65,578
+HK$3,284/mo
Deposit HK$7.77M · loan HK$11.65M · min. income ≈ HK$124,588/mo (50% DSR)
Upfront cash ≈ HK$8.49M (deposit + AVD stamp duty HK$728,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,980
−HK$3,886/mo
▼ 0.25% · 3.875%
HK$63,907
−HK$1,959/mo
Today · 4.125%
HK$65,866
baseline
▲ 0.50% · 4.625%
HK$69,874
+HK$4,008/mo
Deposit HK$5.82M · loan HK$13.59M · min. income ≈ HK$131,732/mo (50% DSR)
Upfront cash ≈ HK$6.55M (deposit + AVD stamp duty HK$728,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,952
−HK$3,725/mo
▼ 0.25% · 3.875%
HK$70,801
−HK$1,876/mo
Today · 4.125%
HK$72,677
baseline
▲ 0.50% · 4.625%
HK$76,508
+HK$3,831/mo
Deposit HK$5.82M · loan HK$13.59M · min. income ≈ HK$145,354/mo (50% DSR)
Upfront cash ≈ HK$6.55M (deposit + AVD stamp duty HK$728,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,688
−HK$4,997/mo
▼ 0.25% · 3.875%
HK$82,167
−HK$2,518/mo
Today · 4.125%
HK$84,685
baseline
▲ 0.50% · 4.625%
HK$89,838
+HK$5,153/mo
Deposit HK$1.94M · loan HK$17.47M · min. income ≈ HK$169,370/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$728,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,652
−HK$4,790/mo
▼ 0.25% · 3.875%
HK$91,030
−HK$2,412/mo
Today · 4.125%
HK$93,442
baseline
▲ 0.50% · 4.625%
HK$98,367
+HK$4,925/mo
Deposit HK$1.94M · loan HK$17.47M · min. income ≈ HK$186,884/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$728,061 · Scale 2, in force from 26 Feb 2026)