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$44,069
−HK$2,763/mo
▼ 0.25% · 3.875%
HK$45,440
−HK$1,392/mo
Today · 4.125%
HK$46,832
baseline
▲ 0.50% · 4.625%
HK$49,682
+HK$2,850/mo
Deposit HK$9.66M · loan HK$9.66M · min. income ≈ HK$93,664/mo (50% DSR)
Upfront cash ≈ HK$10.39M (deposit + AVD stamp duty HK$724,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,026
−HK$2,649/mo
▼ 0.25% · 3.875%
HK$50,341
−HK$1,334/mo
Today · 4.125%
HK$51,675
baseline
▲ 0.50% · 4.625%
HK$54,399
+HK$2,724/mo
Deposit HK$9.66M · loan HK$9.66M · min. income ≈ HK$103,350/mo (50% DSR)
Upfront cash ≈ HK$10.39M (deposit + AVD stamp duty HK$724,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,883
−HK$3,316/mo
▼ 0.25% · 3.875%
HK$54,528
−HK$1,671/mo
Today · 4.125%
HK$56,199
baseline
▲ 0.50% · 4.625%
HK$59,619
+HK$3,420/mo
Deposit HK$7.73M · loan HK$11.60M · min. income ≈ HK$112,398/mo (50% DSR)
Upfront cash ≈ HK$8.46M (deposit + AVD stamp duty HK$724,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,831
−HK$3,179/mo
▼ 0.25% · 3.875%
HK$60,409
−HK$1,601/mo
Today · 4.125%
HK$62,010
baseline
▲ 0.50% · 4.625%
HK$65,279
+HK$3,269/mo
Deposit HK$7.73M · loan HK$11.60M · min. income ≈ HK$124,020/mo (50% DSR)
Upfront cash ≈ HK$8.46M (deposit + AVD stamp duty HK$724,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,697
−HK$3,868/mo
▼ 0.25% · 3.875%
HK$63,616
−HK$1,949/mo
Today · 4.125%
HK$65,565
baseline
▲ 0.50% · 4.625%
HK$69,555
+HK$3,990/mo
Deposit HK$5.80M · loan HK$13.53M · min. income ≈ HK$131,130/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$724,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,637
−HK$3,708/mo
▼ 0.25% · 3.875%
HK$70,478
−HK$1,867/mo
Today · 4.125%
HK$72,345
baseline
▲ 0.50% · 4.625%
HK$76,158
+HK$3,813/mo
Deposit HK$5.80M · loan HK$13.53M · min. income ≈ HK$144,690/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$724,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,324
−HK$4,974/mo
▼ 0.25% · 3.875%
HK$81,792
−HK$2,506/mo
Today · 4.125%
HK$84,298
baseline
▲ 0.50% · 4.625%
HK$89,428
+HK$5,130/mo
Deposit HK$1.93M · loan HK$17.39M · min. income ≈ HK$168,596/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$724,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,247
−HK$4,768/mo
▼ 0.25% · 3.875%
HK$90,614
−HK$2,401/mo
Today · 4.125%
HK$93,015
baseline
▲ 0.50% · 4.625%
HK$97,918
+HK$4,903/mo
Deposit HK$1.93M · loan HK$17.39M · min. income ≈ HK$186,030/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$724,737 · Scale 2, in force from 26 Feb 2026)