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$44,291
−HK$2,778/mo
▼ 0.25% · 3.875%
HK$45,669
−HK$1,400/mo
Today · 4.125%
HK$47,069
baseline
▲ 0.50% · 4.625%
HK$49,933
+HK$2,864/mo
Deposit HK$9.71M · loan HK$9.71M · min. income ≈ HK$94,138/mo (50% DSR)
Upfront cash ≈ HK$10.44M (deposit + AVD stamp duty HK$728,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,274
−HK$2,662/mo
▼ 0.25% · 3.875%
HK$50,595
−HK$1,341/mo
Today · 4.125%
HK$51,936
baseline
▲ 0.50% · 4.625%
HK$54,674
+HK$2,738/mo
Deposit HK$9.71M · loan HK$9.71M · min. income ≈ HK$103,872/mo (50% DSR)
Upfront cash ≈ HK$10.44M (deposit + AVD stamp duty HK$728,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,150
−HK$3,333/mo
▼ 0.25% · 3.875%
HK$54,803
−HK$1,680/mo
Today · 4.125%
HK$56,483
baseline
▲ 0.50% · 4.625%
HK$59,920
+HK$3,437/mo
Deposit HK$7.77M · loan HK$11.65M · min. income ≈ HK$112,966/mo (50% DSR)
Upfront cash ≈ HK$8.50M (deposit + AVD stamp duty HK$728,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,129
−HK$3,194/mo
▼ 0.25% · 3.875%
HK$60,714
−HK$1,609/mo
Today · 4.125%
HK$62,323
baseline
▲ 0.50% · 4.625%
HK$65,608
+HK$3,285/mo
Deposit HK$7.77M · loan HK$11.65M · min. income ≈ HK$124,646/mo (50% DSR)
Upfront cash ≈ HK$8.50M (deposit + AVD stamp duty HK$728,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,008
−HK$3,888/mo
▼ 0.25% · 3.875%
HK$63,937
−HK$1,959/mo
Today · 4.125%
HK$65,896
baseline
▲ 0.50% · 4.625%
HK$69,906
+HK$4,010/mo
Deposit HK$5.83M · loan HK$13.60M · min. income ≈ HK$131,792/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$728,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,983
−HK$3,727/mo
▼ 0.25% · 3.875%
HK$70,833
−HK$1,877/mo
Today · 4.125%
HK$72,710
baseline
▲ 0.50% · 4.625%
HK$76,543
+HK$3,833/mo
Deposit HK$5.83M · loan HK$13.60M · min. income ≈ HK$145,420/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$728,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,725
−HK$4,999/mo
▼ 0.25% · 3.875%
HK$82,204
−HK$2,520/mo
Today · 4.125%
HK$84,724
baseline
▲ 0.50% · 4.625%
HK$89,879
+HK$5,155/mo
Deposit HK$1.94M · loan HK$17.48M · min. income ≈ HK$169,448/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$728,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,693
−HK$4,792/mo
▼ 0.25% · 3.875%
HK$91,072
−HK$2,413/mo
Today · 4.125%
HK$93,485
baseline
▲ 0.50% · 4.625%
HK$98,412
+HK$4,927/mo
Deposit HK$1.94M · loan HK$17.48M · min. income ≈ HK$186,970/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$728,396 · Scale 2, in force from 26 Feb 2026)