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$44,328
−HK$2,780/mo
▼ 0.25% · 3.875%
HK$45,707
−HK$1,401/mo
Today · 4.125%
HK$47,108
baseline
▲ 0.50% · 4.625%
HK$49,975
+HK$2,867/mo
Deposit HK$9.72M · loan HK$9.72M · min. income ≈ HK$94,216/mo (50% DSR)
Upfront cash ≈ HK$10.45M (deposit + AVD stamp duty HK$729,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,315
−HK$2,664/mo
▼ 0.25% · 3.875%
HK$50,637
−HK$1,342/mo
Today · 4.125%
HK$51,979
baseline
▲ 0.50% · 4.625%
HK$54,719
+HK$2,740/mo
Deposit HK$9.72M · loan HK$9.72M · min. income ≈ HK$103,958/mo (50% DSR)
Upfront cash ≈ HK$10.45M (deposit + AVD stamp duty HK$729,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,194
−HK$3,336/mo
▼ 0.25% · 3.875%
HK$54,849
−HK$1,681/mo
Today · 4.125%
HK$56,530
baseline
▲ 0.50% · 4.625%
HK$59,969
+HK$3,439/mo
Deposit HK$7.78M · loan HK$11.66M · min. income ≈ HK$113,060/mo (50% DSR)
Upfront cash ≈ HK$8.51M (deposit + AVD stamp duty HK$729,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,178
−HK$3,197/mo
▼ 0.25% · 3.875%
HK$60,765
−HK$1,610/mo
Today · 4.125%
HK$62,375
baseline
▲ 0.50% · 4.625%
HK$65,663
+HK$3,288/mo
Deposit HK$7.78M · loan HK$11.66M · min. income ≈ HK$124,750/mo (50% DSR)
Upfront cash ≈ HK$8.51M (deposit + AVD stamp duty HK$729,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,060
−HK$3,891/mo
▼ 0.25% · 3.875%
HK$63,990
−HK$1,961/mo
Today · 4.125%
HK$65,951
baseline
▲ 0.50% · 4.625%
HK$69,964
+HK$4,013/mo
Deposit HK$5.83M · loan HK$13.61M · min. income ≈ HK$131,902/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$729,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,041
−HK$3,730/mo
▼ 0.25% · 3.875%
HK$70,892
−HK$1,879/mo
Today · 4.125%
HK$72,771
baseline
▲ 0.50% · 4.625%
HK$76,607
+HK$3,836/mo
Deposit HK$5.83M · loan HK$13.61M · min. income ≈ HK$145,542/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$729,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,791
−HK$5,004/mo
▼ 0.25% · 3.875%
HK$82,273
−HK$2,522/mo
Today · 4.125%
HK$84,795
baseline
▲ 0.50% · 4.625%
HK$89,954
+HK$5,159/mo
Deposit HK$1.94M · loan HK$17.50M · min. income ≈ HK$169,590/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$729,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,767
−HK$4,795/mo
▼ 0.25% · 3.875%
HK$91,147
−HK$2,415/mo
Today · 4.125%
HK$93,562
baseline
▲ 0.50% · 4.625%
HK$98,494
+HK$4,932/mo
Deposit HK$1.94M · loan HK$17.50M · min. income ≈ HK$187,124/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$729,003 · Scale 2, in force from 26 Feb 2026)