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$44,139
−HK$2,768/mo
▼ 0.25% · 3.875%
HK$45,512
−HK$1,395/mo
Today · 4.125%
HK$46,907
baseline
▲ 0.50% · 4.625%
HK$49,761
+HK$2,854/mo
Deposit HK$9.68M · loan HK$9.68M · min. income ≈ HK$93,814/mo (50% DSR)
Upfront cash ≈ HK$10.40M (deposit + AVD stamp duty HK$725,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,104
−HK$2,653/mo
▼ 0.25% · 3.875%
HK$50,421
−HK$1,336/mo
Today · 4.125%
HK$51,757
baseline
▲ 0.50% · 4.625%
HK$54,485
+HK$2,728/mo
Deposit HK$9.68M · loan HK$9.68M · min. income ≈ HK$103,514/mo (50% DSR)
Upfront cash ≈ HK$10.40M (deposit + AVD stamp duty HK$725,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,967
−HK$3,321/mo
▼ 0.25% · 3.875%
HK$54,614
−HK$1,674/mo
Today · 4.125%
HK$56,288
baseline
▲ 0.50% · 4.625%
HK$59,713
+HK$3,425/mo
Deposit HK$7.74M · loan HK$11.61M · min. income ≈ HK$112,576/mo (50% DSR)
Upfront cash ≈ HK$8.47M (deposit + AVD stamp duty HK$725,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,925
−HK$3,184/mo
▼ 0.25% · 3.875%
HK$60,505
−HK$1,604/mo
Today · 4.125%
HK$62,109
baseline
▲ 0.50% · 4.625%
HK$65,382
+HK$3,273/mo
Deposit HK$7.74M · loan HK$11.61M · min. income ≈ HK$124,218/mo (50% DSR)
Upfront cash ≈ HK$8.47M (deposit + AVD stamp duty HK$725,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,795
−HK$3,875/mo
▼ 0.25% · 3.875%
HK$63,717
−HK$1,953/mo
Today · 4.125%
HK$65,670
baseline
▲ 0.50% · 4.625%
HK$69,666
+HK$3,996/mo
Deposit HK$5.81M · loan HK$13.55M · min. income ≈ HK$131,340/mo (50% DSR)
Upfront cash ≈ HK$6.53M (deposit + AVD stamp duty HK$725,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,746
−HK$3,714/mo
▼ 0.25% · 3.875%
HK$70,590
−HK$1,870/mo
Today · 4.125%
HK$72,460
baseline
▲ 0.50% · 4.625%
HK$76,280
+HK$3,820/mo
Deposit HK$5.81M · loan HK$13.55M · min. income ≈ HK$144,920/mo (50% DSR)
Upfront cash ≈ HK$6.53M (deposit + AVD stamp duty HK$725,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,450
−HK$4,982/mo
▼ 0.25% · 3.875%
HK$81,922
−HK$2,510/mo
Today · 4.125%
HK$84,432
baseline
▲ 0.50% · 4.625%
HK$89,570
+HK$5,138/mo
Deposit HK$1.94M · loan HK$17.42M · min. income ≈ HK$168,864/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$725,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,388
−HK$4,775/mo
▼ 0.25% · 3.875%
HK$90,758
−HK$2,405/mo
Today · 4.125%
HK$93,163
baseline
▲ 0.50% · 4.625%
HK$98,074
+HK$4,911/mo
Deposit HK$1.94M · loan HK$17.42M · min. income ≈ HK$186,326/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$725,890 · Scale 2, in force from 26 Feb 2026)