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$44,304
−HK$2,778/mo
▼ 0.25% · 3.875%
HK$45,682
−HK$1,400/mo
Today · 4.125%
HK$47,082
baseline
▲ 0.50% · 4.625%
HK$49,947
+HK$2,865/mo
Deposit HK$9.71M · loan HK$9.71M · min. income ≈ HK$94,164/mo (50% DSR)
Upfront cash ≈ HK$10.44M (deposit + AVD stamp duty HK$728,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,287
−HK$2,663/mo
▼ 0.25% · 3.875%
HK$50,609
−HK$1,341/mo
Today · 4.125%
HK$51,950
baseline
▲ 0.50% · 4.625%
HK$54,689
+HK$2,739/mo
Deposit HK$9.71M · loan HK$9.71M · min. income ≈ HK$103,900/mo (50% DSR)
Upfront cash ≈ HK$10.44M (deposit + AVD stamp duty HK$728,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,164
−HK$3,334/mo
▼ 0.25% · 3.875%
HK$54,818
−HK$1,680/mo
Today · 4.125%
HK$56,498
baseline
▲ 0.50% · 4.625%
HK$59,936
+HK$3,438/mo
Deposit HK$7.77M · loan HK$11.66M · min. income ≈ HK$112,996/mo (50% DSR)
Upfront cash ≈ HK$8.50M (deposit + AVD stamp duty HK$728,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,145
−HK$3,195/mo
▼ 0.25% · 3.875%
HK$60,731
−HK$1,609/mo
Today · 4.125%
HK$62,340
baseline
▲ 0.50% · 4.625%
HK$65,626
+HK$3,286/mo
Deposit HK$7.77M · loan HK$11.66M · min. income ≈ HK$124,680/mo (50% DSR)
Upfront cash ≈ HK$8.50M (deposit + AVD stamp duty HK$728,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,025
−HK$3,890/mo
▼ 0.25% · 3.875%
HK$63,954
−HK$1,961/mo
Today · 4.125%
HK$65,915
baseline
▲ 0.50% · 4.625%
HK$69,925
+HK$4,010/mo
Deposit HK$5.83M · loan HK$13.60M · min. income ≈ HK$131,830/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$728,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,002
−HK$3,728/mo
▼ 0.25% · 3.875%
HK$70,853
−HK$1,877/mo
Today · 4.125%
HK$72,730
baseline
▲ 0.50% · 4.625%
HK$76,564
+HK$3,834/mo
Deposit HK$5.83M · loan HK$13.60M · min. income ≈ HK$145,460/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$728,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,747
−HK$5,000/mo
▼ 0.25% · 3.875%
HK$82,227
−HK$2,520/mo
Today · 4.125%
HK$84,747
baseline
▲ 0.50% · 4.625%
HK$89,904
+HK$5,157/mo
Deposit HK$1.94M · loan HK$17.49M · min. income ≈ HK$169,494/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$728,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,717
−HK$4,793/mo
▼ 0.25% · 3.875%
HK$91,097
−HK$2,413/mo
Today · 4.125%
HK$93,510
baseline
▲ 0.50% · 4.625%
HK$98,440
+HK$4,930/mo
Deposit HK$1.94M · loan HK$17.49M · min. income ≈ HK$187,020/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$728,597 · Scale 2, in force from 26 Feb 2026)