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$44,143
−HK$2,768/mo
▼ 0.25% · 3.875%
HK$45,516
−HK$1,395/mo
Today · 4.125%
HK$46,911
baseline
▲ 0.50% · 4.625%
HK$49,766
+HK$2,855/mo
Deposit HK$9.68M · loan HK$9.68M · min. income ≈ HK$93,822/mo (50% DSR)
Upfront cash ≈ HK$10.41M (deposit + AVD stamp duty HK$725,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,109
−HK$2,653/mo
▼ 0.25% · 3.875%
HK$50,426
−HK$1,336/mo
Today · 4.125%
HK$51,762
baseline
▲ 0.50% · 4.625%
HK$54,491
+HK$2,729/mo
Deposit HK$9.68M · loan HK$9.68M · min. income ≈ HK$103,524/mo (50% DSR)
Upfront cash ≈ HK$10.41M (deposit + AVD stamp duty HK$725,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,972
−HK$3,322/mo
▼ 0.25% · 3.875%
HK$54,620
−HK$1,674/mo
Today · 4.125%
HK$56,294
baseline
▲ 0.50% · 4.625%
HK$59,719
+HK$3,425/mo
Deposit HK$7.74M · loan HK$11.62M · min. income ≈ HK$112,588/mo (50% DSR)
Upfront cash ≈ HK$8.47M (deposit + AVD stamp duty HK$725,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,931
−HK$3,184/mo
▼ 0.25% · 3.875%
HK$60,511
−HK$1,604/mo
Today · 4.125%
HK$62,115
baseline
▲ 0.50% · 4.625%
HK$65,389
+HK$3,274/mo
Deposit HK$7.74M · loan HK$11.62M · min. income ≈ HK$124,230/mo (50% DSR)
Upfront cash ≈ HK$8.47M (deposit + AVD stamp duty HK$725,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,801
−HK$3,875/mo
▼ 0.25% · 3.875%
HK$63,723
−HK$1,953/mo
Today · 4.125%
HK$65,676
baseline
▲ 0.50% · 4.625%
HK$69,672
+HK$3,996/mo
Deposit HK$5.81M · loan HK$13.55M · min. income ≈ HK$131,352/mo (50% DSR)
Upfront cash ≈ HK$6.53M (deposit + AVD stamp duty HK$725,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,752
−HK$3,715/mo
▼ 0.25% · 3.875%
HK$70,596
−HK$1,871/mo
Today · 4.125%
HK$72,467
baseline
▲ 0.50% · 4.625%
HK$76,287
+HK$3,820/mo
Deposit HK$5.81M · loan HK$13.55M · min. income ≈ HK$144,934/mo (50% DSR)
Upfront cash ≈ HK$6.53M (deposit + AVD stamp duty HK$725,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,458
−HK$4,983/mo
▼ 0.25% · 3.875%
HK$81,929
−HK$2,512/mo
Today · 4.125%
HK$84,441
baseline
▲ 0.50% · 4.625%
HK$89,579
+HK$5,138/mo
Deposit HK$1.94M · loan HK$17.42M · min. income ≈ HK$168,882/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$725,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,396
−HK$4,776/mo
▼ 0.25% · 3.875%
HK$90,767
−HK$2,405/mo
Today · 4.125%
HK$93,172
baseline
▲ 0.50% · 4.625%
HK$98,083
+HK$4,911/mo
Deposit HK$1.94M · loan HK$17.42M · min. income ≈ HK$186,344/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$725,959 · Scale 2, in force from 26 Feb 2026)