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$44,054
−HK$2,762/mo
▼ 0.25% · 3.875%
HK$45,424
−HK$1,392/mo
Today · 4.125%
HK$46,816
baseline
▲ 0.50% · 4.625%
HK$49,665
+HK$2,849/mo
Deposit HK$9.66M · loan HK$9.66M · min. income ≈ HK$93,632/mo (50% DSR)
Upfront cash ≈ HK$10.38M (deposit + AVD stamp duty HK$724,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,009
−HK$2,648/mo
▼ 0.25% · 3.875%
HK$50,324
−HK$1,333/mo
Today · 4.125%
HK$51,657
baseline
▲ 0.50% · 4.625%
HK$54,380
+HK$2,723/mo
Deposit HK$9.66M · loan HK$9.66M · min. income ≈ HK$103,314/mo (50% DSR)
Upfront cash ≈ HK$10.38M (deposit + AVD stamp duty HK$724,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,864
−HK$3,316/mo
▼ 0.25% · 3.875%
HK$54,509
−HK$1,671/mo
Today · 4.125%
HK$56,180
baseline
▲ 0.50% · 4.625%
HK$59,598
+HK$3,418/mo
Deposit HK$7.73M · loan HK$11.59M · min. income ≈ HK$112,360/mo (50% DSR)
Upfront cash ≈ HK$8.45M (deposit + AVD stamp duty HK$724,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,811
−HK$3,178/mo
▼ 0.25% · 3.875%
HK$60,389
−HK$1,600/mo
Today · 4.125%
HK$61,989
baseline
▲ 0.50% · 4.625%
HK$65,256
+HK$3,267/mo
Deposit HK$7.73M · loan HK$11.59M · min. income ≈ HK$123,978/mo (50% DSR)
Upfront cash ≈ HK$8.45M (deposit + AVD stamp duty HK$724,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,675
−HK$3,868/mo
▼ 0.25% · 3.875%
HK$63,594
−HK$1,949/mo
Today · 4.125%
HK$65,543
baseline
▲ 0.50% · 4.625%
HK$69,531
+HK$3,988/mo
Deposit HK$5.80M · loan HK$13.52M · min. income ≈ HK$131,086/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$724,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,613
−HK$3,707/mo
▼ 0.25% · 3.875%
HK$70,453
−HK$1,867/mo
Today · 4.125%
HK$72,320
baseline
▲ 0.50% · 4.625%
HK$76,132
+HK$3,812/mo
Deposit HK$5.80M · loan HK$13.52M · min. income ≈ HK$144,640/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$724,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,297
−HK$4,972/mo
▼ 0.25% · 3.875%
HK$81,763
−HK$2,506/mo
Today · 4.125%
HK$84,269
baseline
▲ 0.50% · 4.625%
HK$89,397
+HK$5,128/mo
Deposit HK$1.93M · loan HK$17.39M · min. income ≈ HK$168,538/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$724,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,217
−HK$4,766/mo
▼ 0.25% · 3.875%
HK$90,583
−HK$2,400/mo
Today · 4.125%
HK$92,983
baseline
▲ 0.50% · 4.625%
HK$97,884
+HK$4,901/mo
Deposit HK$1.93M · loan HK$17.39M · min. income ≈ HK$185,966/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$724,487 · Scale 2, in force from 26 Feb 2026)