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$44,299
−HK$2,778/mo
▼ 0.25% · 3.875%
HK$45,677
−HK$1,400/mo
Today · 4.125%
HK$47,077
baseline
▲ 0.50% · 4.625%
HK$49,941
+HK$2,864/mo
Deposit HK$9.71M · loan HK$9.71M · min. income ≈ HK$94,154/mo (50% DSR)
Upfront cash ≈ HK$10.44M (deposit + AVD stamp duty HK$728,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,282
−HK$2,663/mo
▼ 0.25% · 3.875%
HK$50,604
−HK$1,341/mo
Today · 4.125%
HK$51,945
baseline
▲ 0.50% · 4.625%
HK$54,683
+HK$2,738/mo
Deposit HK$9.71M · loan HK$9.71M · min. income ≈ HK$103,890/mo (50% DSR)
Upfront cash ≈ HK$10.44M (deposit + AVD stamp duty HK$728,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,159
−HK$3,333/mo
▼ 0.25% · 3.875%
HK$54,812
−HK$1,680/mo
Today · 4.125%
HK$56,492
baseline
▲ 0.50% · 4.625%
HK$59,930
+HK$3,438/mo
Deposit HK$7.77M · loan HK$11.66M · min. income ≈ HK$112,984/mo (50% DSR)
Upfront cash ≈ HK$8.50M (deposit + AVD stamp duty HK$728,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,139
−HK$3,195/mo
▼ 0.25% · 3.875%
HK$60,725
−HK$1,609/mo
Today · 4.125%
HK$62,334
baseline
▲ 0.50% · 4.625%
HK$65,619
+HK$3,285/mo
Deposit HK$7.77M · loan HK$11.66M · min. income ≈ HK$124,668/mo (50% DSR)
Upfront cash ≈ HK$8.50M (deposit + AVD stamp duty HK$728,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,019
−HK$3,889/mo
▼ 0.25% · 3.875%
HK$63,948
−HK$1,960/mo
Today · 4.125%
HK$65,908
baseline
▲ 0.50% · 4.625%
HK$69,918
+HK$4,010/mo
Deposit HK$5.83M · loan HK$13.60M · min. income ≈ HK$131,816/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$728,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,995
−HK$3,728/mo
▼ 0.25% · 3.875%
HK$70,845
−HK$1,878/mo
Today · 4.125%
HK$72,723
baseline
▲ 0.50% · 4.625%
HK$76,556
+HK$3,833/mo
Deposit HK$5.83M · loan HK$13.60M · min. income ≈ HK$145,446/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$728,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,738
−HK$5,000/mo
▼ 0.25% · 3.875%
HK$82,218
−HK$2,520/mo
Today · 4.125%
HK$84,738
baseline
▲ 0.50% · 4.625%
HK$89,895
+HK$5,157/mo
Deposit HK$1.94M · loan HK$17.48M · min. income ≈ HK$169,476/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$728,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,708
−HK$4,793/mo
▼ 0.25% · 3.875%
HK$91,087
−HK$2,414/mo
Today · 4.125%
HK$93,501
baseline
▲ 0.50% · 4.625%
HK$98,429
+HK$4,928/mo
Deposit HK$1.94M · loan HK$17.48M · min. income ≈ HK$187,002/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$728,520 · Scale 2, in force from 26 Feb 2026)