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$44,042
−HK$2,762/mo
▼ 0.25% · 3.875%
HK$45,412
−HK$1,392/mo
Today · 4.125%
HK$46,804
baseline
▲ 0.50% · 4.625%
HK$49,652
+HK$2,848/mo
Deposit HK$9.66M · loan HK$9.66M · min. income ≈ HK$93,608/mo (50% DSR)
Upfront cash ≈ HK$10.38M (deposit + AVD stamp duty HK$724,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,997
−HK$2,647/mo
▼ 0.25% · 3.875%
HK$50,311
−HK$1,333/mo
Today · 4.125%
HK$51,644
baseline
▲ 0.50% · 4.625%
HK$54,366
+HK$2,722/mo
Deposit HK$9.66M · loan HK$9.66M · min. income ≈ HK$103,288/mo (50% DSR)
Upfront cash ≈ HK$10.38M (deposit + AVD stamp duty HK$724,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,851
−HK$3,314/mo
▼ 0.25% · 3.875%
HK$54,495
−HK$1,670/mo
Today · 4.125%
HK$56,165
baseline
▲ 0.50% · 4.625%
HK$59,582
+HK$3,417/mo
Deposit HK$7.73M · loan HK$11.59M · min. income ≈ HK$112,330/mo (50% DSR)
Upfront cash ≈ HK$8.45M (deposit + AVD stamp duty HK$724,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,796
−HK$3,176/mo
▼ 0.25% · 3.875%
HK$60,373
−HK$1,599/mo
Today · 4.125%
HK$61,972
baseline
▲ 0.50% · 4.625%
HK$65,239
+HK$3,267/mo
Deposit HK$7.73M · loan HK$11.59M · min. income ≈ HK$123,944/mo (50% DSR)
Upfront cash ≈ HK$8.45M (deposit + AVD stamp duty HK$724,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,659
−HK$3,867/mo
▼ 0.25% · 3.875%
HK$63,577
−HK$1,949/mo
Today · 4.125%
HK$65,526
baseline
▲ 0.50% · 4.625%
HK$69,513
+HK$3,987/mo
Deposit HK$5.79M · loan HK$13.52M · min. income ≈ HK$131,052/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$724,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,595
−HK$3,706/mo
▼ 0.25% · 3.875%
HK$70,435
−HK$1,866/mo
Today · 4.125%
HK$72,301
baseline
▲ 0.50% · 4.625%
HK$76,112
+HK$3,811/mo
Deposit HK$5.79M · loan HK$13.52M · min. income ≈ HK$144,602/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$724,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,276
−HK$4,971/mo
▼ 0.25% · 3.875%
HK$81,742
−HK$2,505/mo
Today · 4.125%
HK$84,247
baseline
▲ 0.50% · 4.625%
HK$89,374
+HK$5,127/mo
Deposit HK$1.93M · loan HK$17.38M · min. income ≈ HK$168,494/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$724,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,194
−HK$4,765/mo
▼ 0.25% · 3.875%
HK$90,559
−HK$2,400/mo
Today · 4.125%
HK$92,959
baseline
▲ 0.50% · 4.625%
HK$97,859
+HK$4,900/mo
Deposit HK$1.93M · loan HK$17.38M · min. income ≈ HK$185,918/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$724,298 · Scale 2, in force from 26 Feb 2026)