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$44,085
−HK$2,765/mo
▼ 0.25% · 3.875%
HK$45,456
−HK$1,394/mo
Today · 4.125%
HK$46,850
baseline
▲ 0.50% · 4.625%
HK$49,700
+HK$2,850/mo
Deposit HK$9.67M · loan HK$9.67M · min. income ≈ HK$93,700/mo (50% DSR)
Upfront cash ≈ HK$10.39M (deposit + AVD stamp duty HK$725,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,044
−HK$2,650/mo
▼ 0.25% · 3.875%
HK$50,360
−HK$1,334/mo
Today · 4.125%
HK$51,694
baseline
▲ 0.50% · 4.625%
HK$54,419
+HK$2,725/mo
Deposit HK$9.67M · loan HK$9.67M · min. income ≈ HK$103,388/mo (50% DSR)
Upfront cash ≈ HK$10.39M (deposit + AVD stamp duty HK$725,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,902
−HK$3,318/mo
▼ 0.25% · 3.875%
HK$54,548
−HK$1,672/mo
Today · 4.125%
HK$56,220
baseline
▲ 0.50% · 4.625%
HK$59,641
+HK$3,421/mo
Deposit HK$7.73M · loan HK$11.60M · min. income ≈ HK$112,440/mo (50% DSR)
Upfront cash ≈ HK$8.46M (deposit + AVD stamp duty HK$725,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,853
−HK$3,180/mo
▼ 0.25% · 3.875%
HK$60,432
−HK$1,601/mo
Today · 4.125%
HK$62,033
baseline
▲ 0.50% · 4.625%
HK$65,303
+HK$3,270/mo
Deposit HK$7.73M · loan HK$11.60M · min. income ≈ HK$124,066/mo (50% DSR)
Upfront cash ≈ HK$8.46M (deposit + AVD stamp duty HK$725,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,719
−HK$3,871/mo
▼ 0.25% · 3.875%
HK$63,639
−HK$1,951/mo
Today · 4.125%
HK$65,590
baseline
▲ 0.50% · 4.625%
HK$69,581
+HK$3,991/mo
Deposit HK$5.80M · loan HK$13.53M · min. income ≈ HK$131,180/mo (50% DSR)
Upfront cash ≈ HK$6.53M (deposit + AVD stamp duty HK$725,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,662
−HK$3,710/mo
▼ 0.25% · 3.875%
HK$70,504
−HK$1,868/mo
Today · 4.125%
HK$72,372
baseline
▲ 0.50% · 4.625%
HK$76,186
+HK$3,814/mo
Deposit HK$5.80M · loan HK$13.53M · min. income ≈ HK$144,744/mo (50% DSR)
Upfront cash ≈ HK$6.53M (deposit + AVD stamp duty HK$725,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,353
−HK$4,977/mo
▼ 0.25% · 3.875%
HK$81,822
−HK$2,508/mo
Today · 4.125%
HK$84,330
baseline
▲ 0.50% · 4.625%
HK$89,461
+HK$5,131/mo
Deposit HK$1.93M · loan HK$17.40M · min. income ≈ HK$168,660/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$725,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,280
−HK$4,769/mo
▼ 0.25% · 3.875%
HK$90,647
−HK$2,402/mo
Today · 4.125%
HK$93,049
baseline
▲ 0.50% · 4.625%
HK$97,954
+HK$4,905/mo
Deposit HK$1.93M · loan HK$17.40M · min. income ≈ HK$186,098/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$725,004 · Scale 2, in force from 26 Feb 2026)