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$44,084
−HK$2,764/mo
▼ 0.25% · 3.875%
HK$45,455
−HK$1,393/mo
Today · 4.125%
HK$46,848
baseline
▲ 0.50% · 4.625%
HK$49,699
+HK$2,851/mo
Deposit HK$9.67M · loan HK$9.67M · min. income ≈ HK$93,696/mo (50% DSR)
Upfront cash ≈ HK$10.39M (deposit + AVD stamp duty HK$724,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,043
−HK$2,649/mo
▼ 0.25% · 3.875%
HK$50,358
−HK$1,334/mo
Today · 4.125%
HK$51,692
baseline
▲ 0.50% · 4.625%
HK$54,417
+HK$2,725/mo
Deposit HK$9.67M · loan HK$9.67M · min. income ≈ HK$103,384/mo (50% DSR)
Upfront cash ≈ HK$10.39M (deposit + AVD stamp duty HK$724,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,900
−HK$3,318/mo
▼ 0.25% · 3.875%
HK$54,546
−HK$1,672/mo
Today · 4.125%
HK$56,218
baseline
▲ 0.50% · 4.625%
HK$59,638
+HK$3,420/mo
Deposit HK$7.73M · loan HK$11.60M · min. income ≈ HK$112,436/mo (50% DSR)
Upfront cash ≈ HK$8.46M (deposit + AVD stamp duty HK$724,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,851
−HK$3,180/mo
▼ 0.25% · 3.875%
HK$60,430
−HK$1,601/mo
Today · 4.125%
HK$62,031
baseline
▲ 0.50% · 4.625%
HK$65,300
+HK$3,269/mo
Deposit HK$7.73M · loan HK$11.60M · min. income ≈ HK$124,062/mo (50% DSR)
Upfront cash ≈ HK$8.46M (deposit + AVD stamp duty HK$724,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,717
−HK$3,870/mo
▼ 0.25% · 3.875%
HK$63,637
−HK$1,950/mo
Today · 4.125%
HK$65,587
baseline
▲ 0.50% · 4.625%
HK$69,578
+HK$3,991/mo
Deposit HK$5.80M · loan HK$13.53M · min. income ≈ HK$131,174/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$724,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,660
−HK$3,709/mo
▼ 0.25% · 3.875%
HK$70,501
−HK$1,868/mo
Today · 4.125%
HK$72,369
baseline
▲ 0.50% · 4.625%
HK$76,184
+HK$3,815/mo
Deposit HK$5.80M · loan HK$13.53M · min. income ≈ HK$144,738/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$724,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,351
−HK$4,976/mo
▼ 0.25% · 3.875%
HK$81,819
−HK$2,508/mo
Today · 4.125%
HK$84,327
baseline
▲ 0.50% · 4.625%
HK$89,458
+HK$5,131/mo
Deposit HK$1.93M · loan HK$17.40M · min. income ≈ HK$168,654/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$724,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,277
−HK$4,769/mo
▼ 0.25% · 3.875%
HK$90,644
−HK$2,402/mo
Today · 4.125%
HK$93,046
baseline
▲ 0.50% · 4.625%
HK$97,951
+HK$4,905/mo
Deposit HK$1.93M · loan HK$17.40M · min. income ≈ HK$186,092/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$724,979 · Scale 2, in force from 26 Feb 2026)