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$44,115
−HK$2,766/mo
▼ 0.25% · 3.875%
HK$45,487
−HK$1,394/mo
Today · 4.125%
HK$46,881
baseline
▲ 0.50% · 4.625%
HK$49,734
+HK$2,853/mo
Deposit HK$9.67M · loan HK$9.67M · min. income ≈ HK$93,762/mo (50% DSR)
Upfront cash ≈ HK$10.40M (deposit + AVD stamp duty HK$725,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,078
−HK$2,651/mo
▼ 0.25% · 3.875%
HK$50,394
−HK$1,335/mo
Today · 4.125%
HK$51,729
baseline
▲ 0.50% · 4.625%
HK$54,456
+HK$2,727/mo
Deposit HK$9.67M · loan HK$9.67M · min. income ≈ HK$103,458/mo (50% DSR)
Upfront cash ≈ HK$10.40M (deposit + AVD stamp duty HK$725,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,938
−HK$3,320/mo
▼ 0.25% · 3.875%
HK$54,585
−HK$1,673/mo
Today · 4.125%
HK$56,258
baseline
▲ 0.50% · 4.625%
HK$59,681
+HK$3,423/mo
Deposit HK$7.74M · loan HK$11.61M · min. income ≈ HK$112,516/mo (50% DSR)
Upfront cash ≈ HK$8.46M (deposit + AVD stamp duty HK$725,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,893
−HK$3,182/mo
▼ 0.25% · 3.875%
HK$60,473
−HK$1,602/mo
Today · 4.125%
HK$62,075
baseline
▲ 0.50% · 4.625%
HK$65,347
+HK$3,272/mo
Deposit HK$7.74M · loan HK$11.61M · min. income ≈ HK$124,150/mo (50% DSR)
Upfront cash ≈ HK$8.46M (deposit + AVD stamp duty HK$725,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,761
−HK$3,873/mo
▼ 0.25% · 3.875%
HK$63,682
−HK$1,952/mo
Today · 4.125%
HK$65,634
baseline
▲ 0.50% · 4.625%
HK$69,628
+HK$3,994/mo
Deposit HK$5.80M · loan HK$13.54M · min. income ≈ HK$131,268/mo (50% DSR)
Upfront cash ≈ HK$6.53M (deposit + AVD stamp duty HK$725,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,709
−HK$3,712/mo
▼ 0.25% · 3.875%
HK$70,551
−HK$1,870/mo
Today · 4.125%
HK$72,421
baseline
▲ 0.50% · 4.625%
HK$76,238
+HK$3,817/mo
Deposit HK$5.80M · loan HK$13.54M · min. income ≈ HK$144,842/mo (50% DSR)
Upfront cash ≈ HK$6.53M (deposit + AVD stamp duty HK$725,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,407
−HK$4,980/mo
▼ 0.25% · 3.875%
HK$81,877
−HK$2,510/mo
Today · 4.125%
HK$84,387
baseline
▲ 0.50% · 4.625%
HK$89,521
+HK$5,134/mo
Deposit HK$1.93M · loan HK$17.41M · min. income ≈ HK$168,774/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$725,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,340
−HK$4,772/mo
▼ 0.25% · 3.875%
HK$90,709
−HK$2,403/mo
Today · 4.125%
HK$93,112
baseline
▲ 0.50% · 4.625%
HK$98,020
+HK$4,908/mo
Deposit HK$1.93M · loan HK$17.41M · min. income ≈ HK$186,224/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$725,495 · Scale 2, in force from 26 Feb 2026)