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$44,052
−HK$2,762/mo
▼ 0.25% · 3.875%
HK$45,422
−HK$1,392/mo
Today · 4.125%
HK$46,814
baseline
▲ 0.50% · 4.625%
HK$49,663
+HK$2,849/mo
Deposit HK$9.66M · loan HK$9.66M · min. income ≈ HK$93,628/mo (50% DSR)
Upfront cash ≈ HK$10.38M (deposit + AVD stamp duty HK$724,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,007
−HK$2,648/mo
▼ 0.25% · 3.875%
HK$50,322
−HK$1,333/mo
Today · 4.125%
HK$51,655
baseline
▲ 0.50% · 4.625%
HK$54,378
+HK$2,723/mo
Deposit HK$9.66M · loan HK$9.66M · min. income ≈ HK$103,310/mo (50% DSR)
Upfront cash ≈ HK$10.38M (deposit + AVD stamp duty HK$724,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,862
−HK$3,315/mo
▼ 0.25% · 3.875%
HK$54,507
−HK$1,670/mo
Today · 4.125%
HK$56,177
baseline
▲ 0.50% · 4.625%
HK$59,595
+HK$3,418/mo
Deposit HK$7.73M · loan HK$11.59M · min. income ≈ HK$112,354/mo (50% DSR)
Upfront cash ≈ HK$8.45M (deposit + AVD stamp duty HK$724,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,809
−HK$3,177/mo
▼ 0.25% · 3.875%
HK$60,386
−HK$1,600/mo
Today · 4.125%
HK$61,986
baseline
▲ 0.50% · 4.625%
HK$65,253
+HK$3,267/mo
Deposit HK$7.73M · loan HK$11.59M · min. income ≈ HK$123,972/mo (50% DSR)
Upfront cash ≈ HK$8.45M (deposit + AVD stamp duty HK$724,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,673
−HK$3,867/mo
▼ 0.25% · 3.875%
HK$63,591
−HK$1,949/mo
Today · 4.125%
HK$65,540
baseline
▲ 0.50% · 4.625%
HK$69,528
+HK$3,988/mo
Deposit HK$5.80M · loan HK$13.52M · min. income ≈ HK$131,080/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$724,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,610
−HK$3,707/mo
▼ 0.25% · 3.875%
HK$70,450
−HK$1,867/mo
Today · 4.125%
HK$72,317
baseline
▲ 0.50% · 4.625%
HK$76,129
+HK$3,812/mo
Deposit HK$5.80M · loan HK$13.52M · min. income ≈ HK$144,634/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$724,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,293
−HK$4,973/mo
▼ 0.25% · 3.875%
HK$81,760
−HK$2,506/mo
Today · 4.125%
HK$84,266
baseline
▲ 0.50% · 4.625%
HK$89,393
+HK$5,127/mo
Deposit HK$1.93M · loan HK$17.39M · min. income ≈ HK$168,532/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$724,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,213
−HK$4,766/mo
▼ 0.25% · 3.875%
HK$90,579
−HK$2,400/mo
Today · 4.125%
HK$92,979
baseline
▲ 0.50% · 4.625%
HK$97,880
+HK$4,901/mo
Deposit HK$1.93M · loan HK$17.39M · min. income ≈ HK$185,958/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$724,457 · Scale 2, in force from 26 Feb 2026)