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$44,345
−HK$2,781/mo
▼ 0.25% · 3.875%
HK$45,724
−HK$1,402/mo
Today · 4.125%
HK$47,126
baseline
▲ 0.50% · 4.625%
HK$49,993
+HK$2,867/mo
Deposit HK$9.72M · loan HK$9.72M · min. income ≈ HK$94,252/mo (50% DSR)
Upfront cash ≈ HK$10.45M (deposit + AVD stamp duty HK$729,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,333
−HK$2,666/mo
▼ 0.25% · 3.875%
HK$50,656
−HK$1,343/mo
Today · 4.125%
HK$51,999
baseline
▲ 0.50% · 4.625%
HK$54,740
+HK$2,741/mo
Deposit HK$9.72M · loan HK$9.72M · min. income ≈ HK$103,998/mo (50% DSR)
Upfront cash ≈ HK$10.45M (deposit + AVD stamp duty HK$729,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,214
−HK$3,337/mo
▼ 0.25% · 3.875%
HK$54,869
−HK$1,682/mo
Today · 4.125%
HK$56,551
baseline
▲ 0.50% · 4.625%
HK$59,992
+HK$3,441/mo
Deposit HK$7.78M · loan HK$11.67M · min. income ≈ HK$113,102/mo (50% DSR)
Upfront cash ≈ HK$8.51M (deposit + AVD stamp duty HK$729,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,200
−HK$3,198/mo
▼ 0.25% · 3.875%
HK$60,788
−HK$1,610/mo
Today · 4.125%
HK$62,398
baseline
▲ 0.50% · 4.625%
HK$65,688
+HK$3,290/mo
Deposit HK$7.78M · loan HK$11.67M · min. income ≈ HK$124,796/mo (50% DSR)
Upfront cash ≈ HK$8.51M (deposit + AVD stamp duty HK$729,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,083
−HK$3,893/mo
▼ 0.25% · 3.875%
HK$64,014
−HK$1,962/mo
Today · 4.125%
HK$65,976
baseline
▲ 0.50% · 4.625%
HK$69,991
+HK$4,015/mo
Deposit HK$5.83M · loan HK$13.61M · min. income ≈ HK$131,952/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$729,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,067
−HK$3,731/mo
▼ 0.25% · 3.875%
HK$70,919
−HK$1,879/mo
Today · 4.125%
HK$72,798
baseline
▲ 0.50% · 4.625%
HK$76,635
+HK$3,837/mo
Deposit HK$5.83M · loan HK$13.61M · min. income ≈ HK$145,596/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$729,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,821
−HK$5,005/mo
▼ 0.25% · 3.875%
HK$82,304
−HK$2,522/mo
Today · 4.125%
HK$84,826
baseline
▲ 0.50% · 4.625%
HK$89,988
+HK$5,162/mo
Deposit HK$1.94M · loan HK$17.50M · min. income ≈ HK$169,652/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$729,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,800
−HK$4,798/mo
▼ 0.25% · 3.875%
HK$91,182
−HK$2,416/mo
Today · 4.125%
HK$93,598
baseline
▲ 0.50% · 4.625%
HK$98,531
+HK$4,933/mo
Deposit HK$1.94M · loan HK$17.50M · min. income ≈ HK$187,196/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$729,277 · Scale 2, in force from 26 Feb 2026)