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$44,120
−HK$2,766/mo
▼ 0.25% · 3.875%
HK$45,492
−HK$1,394/mo
Today · 4.125%
HK$46,886
baseline
▲ 0.50% · 4.625%
HK$49,739
+HK$2,853/mo
Deposit HK$9.67M · loan HK$9.67M · min. income ≈ HK$93,772/mo (50% DSR)
Upfront cash ≈ HK$10.40M (deposit + AVD stamp duty HK$725,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,083
−HK$2,652/mo
▼ 0.25% · 3.875%
HK$50,399
−HK$1,336/mo
Today · 4.125%
HK$51,735
baseline
▲ 0.50% · 4.625%
HK$54,462
+HK$2,727/mo
Deposit HK$9.67M · loan HK$9.67M · min. income ≈ HK$103,470/mo (50% DSR)
Upfront cash ≈ HK$10.40M (deposit + AVD stamp duty HK$725,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,944
−HK$3,320/mo
▼ 0.25% · 3.875%
HK$54,591
−HK$1,673/mo
Today · 4.125%
HK$56,264
baseline
▲ 0.50% · 4.625%
HK$59,687
+HK$3,423/mo
Deposit HK$7.74M · loan HK$11.61M · min. income ≈ HK$112,528/mo (50% DSR)
Upfront cash ≈ HK$8.47M (deposit + AVD stamp duty HK$725,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,899
−HK$3,182/mo
▼ 0.25% · 3.875%
HK$60,479
−HK$1,602/mo
Today · 4.125%
HK$62,081
baseline
▲ 0.50% · 4.625%
HK$65,354
+HK$3,273/mo
Deposit HK$7.74M · loan HK$11.61M · min. income ≈ HK$124,162/mo (50% DSR)
Upfront cash ≈ HK$8.47M (deposit + AVD stamp duty HK$725,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,768
−HK$3,873/mo
▼ 0.25% · 3.875%
HK$63,689
−HK$1,952/mo
Today · 4.125%
HK$65,641
baseline
▲ 0.50% · 4.625%
HK$69,635
+HK$3,994/mo
Deposit HK$5.80M · loan HK$13.54M · min. income ≈ HK$131,282/mo (50% DSR)
Upfront cash ≈ HK$6.53M (deposit + AVD stamp duty HK$725,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,716
−HK$3,712/mo
▼ 0.25% · 3.875%
HK$70,559
−HK$1,869/mo
Today · 4.125%
HK$72,428
baseline
▲ 0.50% · 4.625%
HK$76,246
+HK$3,818/mo
Deposit HK$5.80M · loan HK$13.54M · min. income ≈ HK$144,856/mo (50% DSR)
Upfront cash ≈ HK$6.53M (deposit + AVD stamp duty HK$725,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,416
−HK$4,980/mo
▼ 0.25% · 3.875%
HK$81,886
−HK$2,510/mo
Today · 4.125%
HK$84,396
baseline
▲ 0.50% · 4.625%
HK$89,531
+HK$5,135/mo
Deposit HK$1.93M · loan HK$17.41M · min. income ≈ HK$168,792/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$725,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,349
−HK$4,773/mo
▼ 0.25% · 3.875%
HK$90,718
−HK$2,404/mo
Today · 4.125%
HK$93,122
baseline
▲ 0.50% · 4.625%
HK$98,031
+HK$4,909/mo
Deposit HK$1.93M · loan HK$17.41M · min. income ≈ HK$186,244/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$725,572 · Scale 2, in force from 26 Feb 2026)