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$49,765
+HK$2,854/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$725,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,108
−HK$2,654/mo
▼ 0.25% · 3.875%
HK$50,425
−HK$1,337/mo
Today · 4.125%
HK$51,762
baseline
▲ 0.50% · 4.625%
HK$54,490
+HK$2,728/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$725,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,971
−HK$3,322/mo
▼ 0.25% · 3.875%
HK$54,619
−HK$1,674/mo
Today · 4.125%
HK$56,293
baseline
▲ 0.50% · 4.625%
HK$59,718
+HK$3,425/mo
Deposit HK$7.74M · loan HK$11.62M · min. income ≈ HK$112,586/mo (50% DSR)
Upfront cash ≈ HK$8.47M (deposit + AVD stamp duty HK$725,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,930
−HK$3,184/mo
▼ 0.25% · 3.875%
HK$60,511
−HK$1,603/mo
Today · 4.125%
HK$62,114
baseline
▲ 0.50% · 4.625%
HK$65,388
+HK$3,274/mo
Deposit HK$7.74M · loan HK$11.62M · min. income ≈ HK$124,228/mo (50% DSR)
Upfront cash ≈ HK$8.47M (deposit + AVD stamp duty HK$725,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,800
−HK$3,875/mo
▼ 0.25% · 3.875%
HK$63,722
−HK$1,953/mo
Today · 4.125%
HK$65,675
baseline
▲ 0.50% · 4.625%
HK$69,671
+HK$3,996/mo
Deposit HK$5.81M · loan HK$13.55M · min. income ≈ HK$131,350/mo (50% DSR)
Upfront cash ≈ HK$6.53M (deposit + AVD stamp duty HK$725,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,752
−HK$3,714/mo
▼ 0.25% · 3.875%
HK$70,596
−HK$1,870/mo
Today · 4.125%
HK$72,466
baseline
▲ 0.50% · 4.625%
HK$76,286
+HK$3,820/mo
Deposit HK$5.81M · loan HK$13.55M · min. income ≈ HK$144,932/mo (50% DSR)
Upfront cash ≈ HK$6.53M (deposit + AVD stamp duty HK$725,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,457
−HK$4,983/mo
▼ 0.25% · 3.875%
HK$81,929
−HK$2,511/mo
Today · 4.125%
HK$84,440
baseline
▲ 0.50% · 4.625%
HK$89,578
+HK$5,138/mo
Deposit HK$1.94M · loan HK$17.42M · min. income ≈ HK$168,880/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$725,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,395
−HK$4,776/mo
▼ 0.25% · 3.875%
HK$90,766
−HK$2,405/mo
Today · 4.125%
HK$93,171
baseline
▲ 0.50% · 4.625%
HK$98,082
+HK$4,911/mo
Deposit HK$1.94M · loan HK$17.42M · min. income ≈ HK$186,342/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$725,951 · Scale 2, in force from 26 Feb 2026)