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$44,383
−HK$2,783/mo
▼ 0.25% · 3.875%
HK$45,764
−HK$1,402/mo
Today · 4.125%
HK$47,166
baseline
▲ 0.50% · 4.625%
HK$50,036
+HK$2,870/mo
Deposit HK$9.73M · loan HK$9.73M · min. income ≈ HK$94,332/mo (50% DSR)
Upfront cash ≈ HK$10.46M (deposit + AVD stamp duty HK$729,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,376
−HK$2,668/mo
▼ 0.25% · 3.875%
HK$50,700
−HK$1,344/mo
Today · 4.125%
HK$52,044
baseline
▲ 0.50% · 4.625%
HK$54,787
+HK$2,743/mo
Deposit HK$9.73M · loan HK$9.73M · min. income ≈ HK$104,088/mo (50% DSR)
Upfront cash ≈ HK$10.46M (deposit + AVD stamp duty HK$729,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,260
−HK$3,340/mo
▼ 0.25% · 3.875%
HK$54,917
−HK$1,683/mo
Today · 4.125%
HK$56,600
baseline
▲ 0.50% · 4.625%
HK$60,044
+HK$3,444/mo
Deposit HK$7.79M · loan HK$11.68M · min. income ≈ HK$113,200/mo (50% DSR)
Upfront cash ≈ HK$8.52M (deposit + AVD stamp duty HK$729,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,251
−HK$3,201/mo
▼ 0.25% · 3.875%
HK$60,840
−HK$1,612/mo
Today · 4.125%
HK$62,452
baseline
▲ 0.50% · 4.625%
HK$65,744
+HK$3,292/mo
Deposit HK$7.79M · loan HK$11.68M · min. income ≈ HK$124,904/mo (50% DSR)
Upfront cash ≈ HK$8.52M (deposit + AVD stamp duty HK$729,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,137
−HK$3,896/mo
▼ 0.25% · 3.875%
HK$64,069
−HK$1,964/mo
Today · 4.125%
HK$66,033
baseline
▲ 0.50% · 4.625%
HK$70,051
+HK$4,018/mo
Deposit HK$5.84M · loan HK$13.62M · min. income ≈ HK$132,066/mo (50% DSR)
Upfront cash ≈ HK$6.57M (deposit + AVD stamp duty HK$729,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,126
−HK$3,735/mo
▼ 0.25% · 3.875%
HK$70,980
−HK$1,881/mo
Today · 4.125%
HK$72,861
baseline
▲ 0.50% · 4.625%
HK$76,702
+HK$3,841/mo
Deposit HK$5.84M · loan HK$13.62M · min. income ≈ HK$145,722/mo (50% DSR)
Upfront cash ≈ HK$6.57M (deposit + AVD stamp duty HK$729,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,890
−HK$5,010/mo
▼ 0.25% · 3.875%
HK$82,375
−HK$2,525/mo
Today · 4.125%
HK$84,900
baseline
▲ 0.50% · 4.625%
HK$90,066
+HK$5,166/mo
Deposit HK$1.95M · loan HK$17.52M · min. income ≈ HK$169,800/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$729,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,877
−HK$4,801/mo
▼ 0.25% · 3.875%
HK$91,260
−HK$2,418/mo
Today · 4.125%
HK$93,678
baseline
▲ 0.50% · 4.625%
HK$98,616
+HK$4,938/mo
Deposit HK$1.95M · loan HK$17.52M · min. income ≈ HK$187,356/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$729,906 · Scale 2, in force from 26 Feb 2026)