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$44,292
−HK$2,777/mo
▼ 0.25% · 3.875%
HK$45,670
−HK$1,399/mo
Today · 4.125%
HK$47,069
baseline
▲ 0.50% · 4.625%
HK$49,934
+HK$2,865/mo
Deposit HK$9.71M · loan HK$9.71M · min. income ≈ HK$94,138/mo (50% DSR)
Upfront cash ≈ HK$10.44M (deposit + AVD stamp duty HK$728,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,274
−HK$2,662/mo
▼ 0.25% · 3.875%
HK$50,596
−HK$1,340/mo
Today · 4.125%
HK$51,936
baseline
▲ 0.50% · 4.625%
HK$54,674
+HK$2,738/mo
Deposit HK$9.71M · loan HK$9.71M · min. income ≈ HK$103,872/mo (50% DSR)
Upfront cash ≈ HK$10.44M (deposit + AVD stamp duty HK$728,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,150
−HK$3,333/mo
▼ 0.25% · 3.875%
HK$54,804
−HK$1,679/mo
Today · 4.125%
HK$56,483
baseline
▲ 0.50% · 4.625%
HK$59,920
+HK$3,437/mo
Deposit HK$7.77M · loan HK$11.65M · min. income ≈ HK$112,966/mo (50% DSR)
Upfront cash ≈ HK$8.50M (deposit + AVD stamp duty HK$728,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,129
−HK$3,195/mo
▼ 0.25% · 3.875%
HK$60,715
−HK$1,609/mo
Today · 4.125%
HK$62,324
baseline
▲ 0.50% · 4.625%
HK$65,609
+HK$3,285/mo
Deposit HK$7.77M · loan HK$11.65M · min. income ≈ HK$124,648/mo (50% DSR)
Upfront cash ≈ HK$8.50M (deposit + AVD stamp duty HK$728,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,009
−HK$3,888/mo
▼ 0.25% · 3.875%
HK$63,938
−HK$1,959/mo
Today · 4.125%
HK$65,897
baseline
▲ 0.50% · 4.625%
HK$69,907
+HK$4,010/mo
Deposit HK$5.83M · loan HK$13.60M · min. income ≈ HK$131,794/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$728,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,984
−HK$3,727/mo
▼ 0.25% · 3.875%
HK$70,834
−HK$1,877/mo
Today · 4.125%
HK$72,711
baseline
▲ 0.50% · 4.625%
HK$76,544
+HK$3,833/mo
Deposit HK$5.83M · loan HK$13.60M · min. income ≈ HK$145,422/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$728,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,726
−HK$4,999/mo
▼ 0.25% · 3.875%
HK$82,205
−HK$2,520/mo
Today · 4.125%
HK$84,725
baseline
▲ 0.50% · 4.625%
HK$89,880
+HK$5,155/mo
Deposit HK$1.94M · loan HK$17.48M · min. income ≈ HK$169,450/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$728,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,694
−HK$4,792/mo
▼ 0.25% · 3.875%
HK$91,073
−HK$2,413/mo
Today · 4.125%
HK$93,486
baseline
▲ 0.50% · 4.625%
HK$98,413
+HK$4,927/mo
Deposit HK$1.94M · loan HK$17.48M · min. income ≈ HK$186,972/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$728,405 · Scale 2, in force from 26 Feb 2026)