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$44,101
−HK$2,766/mo
▼ 0.25% · 3.875%
HK$45,473
−HK$1,394/mo
Today · 4.125%
HK$46,867
baseline
▲ 0.50% · 4.625%
HK$49,719
+HK$2,852/mo
Deposit HK$9.67M · loan HK$9.67M · min. income ≈ HK$93,734/mo (50% DSR)
Upfront cash ≈ HK$10.40M (deposit + AVD stamp duty HK$725,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,062
−HK$2,651/mo
▼ 0.25% · 3.875%
HK$50,378
−HK$1,335/mo
Today · 4.125%
HK$51,713
baseline
▲ 0.50% · 4.625%
HK$54,439
+HK$2,726/mo
Deposit HK$9.67M · loan HK$9.67M · min. income ≈ HK$103,426/mo (50% DSR)
Upfront cash ≈ HK$10.40M (deposit + AVD stamp duty HK$725,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,922
−HK$3,318/mo
▼ 0.25% · 3.875%
HK$54,568
−HK$1,672/mo
Today · 4.125%
HK$56,240
baseline
▲ 0.50% · 4.625%
HK$59,663
+HK$3,423/mo
Deposit HK$7.74M · loan HK$11.60M · min. income ≈ HK$112,480/mo (50% DSR)
Upfront cash ≈ HK$8.46M (deposit + AVD stamp duty HK$725,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,875
−HK$3,181/mo
▼ 0.25% · 3.875%
HK$60,454
−HK$1,602/mo
Today · 4.125%
HK$62,056
baseline
▲ 0.50% · 4.625%
HK$65,327
+HK$3,271/mo
Deposit HK$7.74M · loan HK$11.60M · min. income ≈ HK$124,112/mo (50% DSR)
Upfront cash ≈ HK$8.46M (deposit + AVD stamp duty HK$725,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,742
−HK$3,872/mo
▼ 0.25% · 3.875%
HK$63,663
−HK$1,951/mo
Today · 4.125%
HK$65,614
baseline
▲ 0.50% · 4.625%
HK$69,606
+HK$3,992/mo
Deposit HK$5.80M · loan HK$13.54M · min. income ≈ HK$131,228/mo (50% DSR)
Upfront cash ≈ HK$6.53M (deposit + AVD stamp duty HK$725,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,687
−HK$3,711/mo
▼ 0.25% · 3.875%
HK$70,530
−HK$1,868/mo
Today · 4.125%
HK$72,398
baseline
▲ 0.50% · 4.625%
HK$76,215
+HK$3,817/mo
Deposit HK$5.80M · loan HK$13.54M · min. income ≈ HK$144,796/mo (50% DSR)
Upfront cash ≈ HK$6.53M (deposit + AVD stamp duty HK$725,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,383
−HK$4,978/mo
▼ 0.25% · 3.875%
HK$81,852
−HK$2,509/mo
Today · 4.125%
HK$84,361
baseline
▲ 0.50% · 4.625%
HK$89,494
+HK$5,133/mo
Deposit HK$1.93M · loan HK$17.41M · min. income ≈ HK$168,722/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$725,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,312
−HK$4,772/mo
▼ 0.25% · 3.875%
HK$90,681
−HK$2,403/mo
Today · 4.125%
HK$93,084
baseline
▲ 0.50% · 4.625%
HK$97,990
+HK$4,906/mo
Deposit HK$1.93M · loan HK$17.41M · min. income ≈ HK$186,168/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$725,272 · Scale 2, in force from 26 Feb 2026)