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$44,089
−HK$2,765/mo
▼ 0.25% · 3.875%
HK$45,460
−HK$1,394/mo
Today · 4.125%
HK$46,854
baseline
▲ 0.50% · 4.625%
HK$49,705
+HK$2,851/mo
Deposit HK$9.67M · loan HK$9.67M · min. income ≈ HK$93,708/mo (50% DSR)
Upfront cash ≈ HK$10.39M (deposit + AVD stamp duty HK$725,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,049
−HK$2,650/mo
▼ 0.25% · 3.875%
HK$50,364
−HK$1,335/mo
Today · 4.125%
HK$51,699
baseline
▲ 0.50% · 4.625%
HK$54,424
+HK$2,725/mo
Deposit HK$9.67M · loan HK$9.67M · min. income ≈ HK$103,398/mo (50% DSR)
Upfront cash ≈ HK$10.39M (deposit + AVD stamp duty HK$725,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,907
−HK$3,318/mo
▼ 0.25% · 3.875%
HK$54,553
−HK$1,672/mo
Today · 4.125%
HK$56,225
baseline
▲ 0.50% · 4.625%
HK$59,646
+HK$3,421/mo
Deposit HK$7.73M · loan HK$11.60M · min. income ≈ HK$112,450/mo (50% DSR)
Upfront cash ≈ HK$8.46M (deposit + AVD stamp duty HK$725,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,858
−HK$3,180/mo
▼ 0.25% · 3.875%
HK$60,437
−HK$1,601/mo
Today · 4.125%
HK$62,038
baseline
▲ 0.50% · 4.625%
HK$65,308
+HK$3,270/mo
Deposit HK$7.73M · loan HK$11.60M · min. income ≈ HK$124,076/mo (50% DSR)
Upfront cash ≈ HK$8.46M (deposit + AVD stamp duty HK$725,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,725
−HK$3,870/mo
▼ 0.25% · 3.875%
HK$63,645
−HK$1,950/mo
Today · 4.125%
HK$65,595
baseline
▲ 0.50% · 4.625%
HK$69,587
+HK$3,992/mo
Deposit HK$5.80M · loan HK$13.53M · min. income ≈ HK$131,190/mo (50% DSR)
Upfront cash ≈ HK$6.53M (deposit + AVD stamp duty HK$725,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,668
−HK$3,710/mo
▼ 0.25% · 3.875%
HK$70,510
−HK$1,868/mo
Today · 4.125%
HK$72,378
baseline
▲ 0.50% · 4.625%
HK$76,193
+HK$3,815/mo
Deposit HK$5.80M · loan HK$13.53M · min. income ≈ HK$144,756/mo (50% DSR)
Upfront cash ≈ HK$6.53M (deposit + AVD stamp duty HK$725,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,360
−HK$4,977/mo
▼ 0.25% · 3.875%
HK$81,829
−HK$2,508/mo
Today · 4.125%
HK$84,337
baseline
▲ 0.50% · 4.625%
HK$89,469
+HK$5,132/mo
Deposit HK$1.93M · loan HK$17.40M · min. income ≈ HK$168,674/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$725,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,288
−HK$4,769/mo
▼ 0.25% · 3.875%
HK$90,655
−HK$2,402/mo
Today · 4.125%
HK$93,057
baseline
▲ 0.50% · 4.625%
HK$97,963
+HK$4,906/mo
Deposit HK$1.93M · loan HK$17.40M · min. income ≈ HK$186,114/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$725,068 · Scale 2, in force from 26 Feb 2026)