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$44,331
−HK$2,780/mo
▼ 0.25% · 3.875%
HK$45,710
−HK$1,401/mo
Today · 4.125%
HK$47,111
baseline
▲ 0.50% · 4.625%
HK$49,978
+HK$2,867/mo
Deposit HK$9.72M · loan HK$9.72M · min. income ≈ HK$94,222/mo (50% DSR)
Upfront cash ≈ HK$10.45M (deposit + AVD stamp duty HK$729,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,318
−HK$2,664/mo
▼ 0.25% · 3.875%
HK$50,641
−HK$1,341/mo
Today · 4.125%
HK$51,982
baseline
▲ 0.50% · 4.625%
HK$54,723
+HK$2,741/mo
Deposit HK$9.72M · loan HK$9.72M · min. income ≈ HK$103,964/mo (50% DSR)
Upfront cash ≈ HK$10.45M (deposit + AVD stamp duty HK$729,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,197
−HK$3,336/mo
▼ 0.25% · 3.875%
HK$54,852
−HK$1,681/mo
Today · 4.125%
HK$56,533
baseline
▲ 0.50% · 4.625%
HK$59,973
+HK$3,440/mo
Deposit HK$7.78M · loan HK$11.66M · min. income ≈ HK$113,066/mo (50% DSR)
Upfront cash ≈ HK$8.51M (deposit + AVD stamp duty HK$729,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,182
−HK$3,197/mo
▼ 0.25% · 3.875%
HK$60,769
−HK$1,610/mo
Today · 4.125%
HK$62,379
baseline
▲ 0.50% · 4.625%
HK$65,667
+HK$3,288/mo
Deposit HK$7.78M · loan HK$11.66M · min. income ≈ HK$124,758/mo (50% DSR)
Upfront cash ≈ HK$8.51M (deposit + AVD stamp duty HK$729,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,064
−HK$3,892/mo
▼ 0.25% · 3.875%
HK$63,994
−HK$1,962/mo
Today · 4.125%
HK$65,956
baseline
▲ 0.50% · 4.625%
HK$69,969
+HK$4,013/mo
Deposit HK$5.83M · loan HK$13.61M · min. income ≈ HK$131,912/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$729,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,045
−HK$3,730/mo
▼ 0.25% · 3.875%
HK$70,897
−HK$1,878/mo
Today · 4.125%
HK$72,775
baseline
▲ 0.50% · 4.625%
HK$76,612
+HK$3,837/mo
Deposit HK$5.83M · loan HK$13.61M · min. income ≈ HK$145,550/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$729,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,796
−HK$5,004/mo
▼ 0.25% · 3.875%
HK$82,278
−HK$2,522/mo
Today · 4.125%
HK$84,800
baseline
▲ 0.50% · 4.625%
HK$89,960
+HK$5,160/mo
Deposit HK$1.94M · loan HK$17.50M · min. income ≈ HK$169,600/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$729,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,772
−HK$4,796/mo
▼ 0.25% · 3.875%
HK$91,153
−HK$2,415/mo
Today · 4.125%
HK$93,568
baseline
▲ 0.50% · 4.625%
HK$98,501
+HK$4,933/mo
Deposit HK$1.94M · loan HK$17.50M · min. income ≈ HK$187,136/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$729,049 · Scale 2, in force from 26 Feb 2026)