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$44,127
−HK$2,767/mo
▼ 0.25% · 3.875%
HK$45,499
−HK$1,395/mo
Today · 4.125%
HK$46,894
baseline
▲ 0.50% · 4.625%
HK$49,747
+HK$2,853/mo
Deposit HK$9.68M · loan HK$9.68M · min. income ≈ HK$93,788/mo (50% DSR)
Upfront cash ≈ HK$10.40M (deposit + AVD stamp duty HK$725,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,090
−HK$2,653/mo
▼ 0.25% · 3.875%
HK$50,407
−HK$1,336/mo
Today · 4.125%
HK$51,743
baseline
▲ 0.50% · 4.625%
HK$54,470
+HK$2,727/mo
Deposit HK$9.68M · loan HK$9.68M · min. income ≈ HK$103,486/mo (50% DSR)
Upfront cash ≈ HK$10.40M (deposit + AVD stamp duty HK$725,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,952
−HK$3,320/mo
▼ 0.25% · 3.875%
HK$54,599
−HK$1,673/mo
Today · 4.125%
HK$56,272
baseline
▲ 0.50% · 4.625%
HK$59,696
+HK$3,424/mo
Deposit HK$7.74M · loan HK$11.61M · min. income ≈ HK$112,544/mo (50% DSR)
Upfront cash ≈ HK$8.47M (deposit + AVD stamp duty HK$725,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,908
−HK$3,183/mo
▼ 0.25% · 3.875%
HK$60,488
−HK$1,603/mo
Today · 4.125%
HK$62,091
baseline
▲ 0.50% · 4.625%
HK$65,364
+HK$3,273/mo
Deposit HK$7.74M · loan HK$11.61M · min. income ≈ HK$124,182/mo (50% DSR)
Upfront cash ≈ HK$8.47M (deposit + AVD stamp duty HK$725,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,777
−HK$3,874/mo
▼ 0.25% · 3.875%
HK$63,699
−HK$1,952/mo
Today · 4.125%
HK$65,651
baseline
▲ 0.50% · 4.625%
HK$69,646
+HK$3,995/mo
Deposit HK$5.81M · loan HK$13.55M · min. income ≈ HK$131,302/mo (50% DSR)
Upfront cash ≈ HK$6.53M (deposit + AVD stamp duty HK$725,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,726
−HK$3,714/mo
▼ 0.25% · 3.875%
HK$70,570
−HK$1,870/mo
Today · 4.125%
HK$72,440
baseline
▲ 0.50% · 4.625%
HK$76,258
+HK$3,818/mo
Deposit HK$5.81M · loan HK$13.55M · min. income ≈ HK$144,880/mo (50% DSR)
Upfront cash ≈ HK$6.53M (deposit + AVD stamp duty HK$725,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,428
−HK$4,981/mo
▼ 0.25% · 3.875%
HK$81,898
−HK$2,511/mo
Today · 4.125%
HK$84,409
baseline
▲ 0.50% · 4.625%
HK$89,545
+HK$5,136/mo
Deposit HK$1.94M · loan HK$17.42M · min. income ≈ HK$168,818/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$725,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,363
−HK$4,774/mo
▼ 0.25% · 3.875%
HK$90,732
−HK$2,405/mo
Today · 4.125%
HK$93,137
baseline
▲ 0.50% · 4.625%
HK$98,046
+HK$4,909/mo
Deposit HK$1.94M · loan HK$17.42M · min. income ≈ HK$186,274/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$725,684 · Scale 2, in force from 26 Feb 2026)