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$44,118
−HK$2,767/mo
▼ 0.25% · 3.875%
HK$45,491
−HK$1,394/mo
Today · 4.125%
HK$46,885
baseline
▲ 0.50% · 4.625%
HK$49,738
+HK$2,853/mo
Deposit HK$9.67M · loan HK$9.67M · min. income ≈ HK$93,770/mo (50% DSR)
Upfront cash ≈ HK$10.40M (deposit + AVD stamp duty HK$725,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,081
−HK$2,652/mo
▼ 0.25% · 3.875%
HK$50,397
−HK$1,336/mo
Today · 4.125%
HK$51,733
baseline
▲ 0.50% · 4.625%
HK$54,460
+HK$2,727/mo
Deposit HK$9.67M · loan HK$9.67M · min. income ≈ HK$103,466/mo (50% DSR)
Upfront cash ≈ HK$10.40M (deposit + AVD stamp duty HK$725,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,942
−HK$3,320/mo
▼ 0.25% · 3.875%
HK$54,589
−HK$1,673/mo
Today · 4.125%
HK$56,262
baseline
▲ 0.50% · 4.625%
HK$59,685
+HK$3,423/mo
Deposit HK$7.74M · loan HK$11.61M · min. income ≈ HK$112,524/mo (50% DSR)
Upfront cash ≈ HK$8.46M (deposit + AVD stamp duty HK$725,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,897
−HK$3,182/mo
▼ 0.25% · 3.875%
HK$60,477
−HK$1,602/mo
Today · 4.125%
HK$62,079
baseline
▲ 0.50% · 4.625%
HK$65,352
+HK$3,273/mo
Deposit HK$7.74M · loan HK$11.61M · min. income ≈ HK$124,158/mo (50% DSR)
Upfront cash ≈ HK$8.46M (deposit + AVD stamp duty HK$725,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,766
−HK$3,873/mo
▼ 0.25% · 3.875%
HK$63,687
−HK$1,952/mo
Today · 4.125%
HK$65,639
baseline
▲ 0.50% · 4.625%
HK$69,633
+HK$3,994/mo
Deposit HK$5.80M · loan HK$13.54M · min. income ≈ HK$131,278/mo (50% DSR)
Upfront cash ≈ HK$6.53M (deposit + AVD stamp duty HK$725,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,714
−HK$3,712/mo
▼ 0.25% · 3.875%
HK$70,556
−HK$1,870/mo
Today · 4.125%
HK$72,426
baseline
▲ 0.50% · 4.625%
HK$76,244
+HK$3,818/mo
Deposit HK$5.80M · loan HK$13.54M · min. income ≈ HK$144,852/mo (50% DSR)
Upfront cash ≈ HK$6.53M (deposit + AVD stamp duty HK$725,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,413
−HK$4,980/mo
▼ 0.25% · 3.875%
HK$81,883
−HK$2,510/mo
Today · 4.125%
HK$84,393
baseline
▲ 0.50% · 4.625%
HK$89,528
+HK$5,135/mo
Deposit HK$1.93M · loan HK$17.41M · min. income ≈ HK$168,786/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$725,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,346
−HK$4,773/mo
▼ 0.25% · 3.875%
HK$90,715
−HK$2,404/mo
Today · 4.125%
HK$93,119
baseline
▲ 0.50% · 4.625%
HK$98,028
+HK$4,909/mo
Deposit HK$1.93M · loan HK$17.41M · min. income ≈ HK$186,238/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$725,549 · Scale 2, in force from 26 Feb 2026)