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$44,105
−HK$2,766/mo
▼ 0.25% · 3.875%
HK$45,477
−HK$1,394/mo
Today · 4.125%
HK$46,871
baseline
▲ 0.50% · 4.625%
HK$49,723
+HK$2,852/mo
Deposit HK$9.67M · loan HK$9.67M · min. income ≈ HK$93,742/mo (50% DSR)
Upfront cash ≈ HK$10.40M (deposit + AVD stamp duty HK$725,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,067
−HK$2,650/mo
▼ 0.25% · 3.875%
HK$50,383
−HK$1,334/mo
Today · 4.125%
HK$51,717
baseline
▲ 0.50% · 4.625%
HK$54,444
+HK$2,727/mo
Deposit HK$9.67M · loan HK$9.67M · min. income ≈ HK$103,434/mo (50% DSR)
Upfront cash ≈ HK$10.40M (deposit + AVD stamp duty HK$725,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,926
−HK$3,319/mo
▼ 0.25% · 3.875%
HK$54,573
−HK$1,672/mo
Today · 4.125%
HK$56,245
baseline
▲ 0.50% · 4.625%
HK$59,668
+HK$3,423/mo
Deposit HK$7.74M · loan HK$11.61M · min. income ≈ HK$112,490/mo (50% DSR)
Upfront cash ≈ HK$8.46M (deposit + AVD stamp duty HK$725,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,880
−HK$3,181/mo
▼ 0.25% · 3.875%
HK$60,459
−HK$1,602/mo
Today · 4.125%
HK$62,061
baseline
▲ 0.50% · 4.625%
HK$65,332
+HK$3,271/mo
Deposit HK$7.74M · loan HK$11.61M · min. income ≈ HK$124,122/mo (50% DSR)
Upfront cash ≈ HK$8.46M (deposit + AVD stamp duty HK$725,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,747
−HK$3,872/mo
▼ 0.25% · 3.875%
HK$63,668
−HK$1,951/mo
Today · 4.125%
HK$65,619
baseline
▲ 0.50% · 4.625%
HK$69,612
+HK$3,993/mo
Deposit HK$5.80M · loan HK$13.54M · min. income ≈ HK$131,238/mo (50% DSR)
Upfront cash ≈ HK$6.53M (deposit + AVD stamp duty HK$725,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,693
−HK$3,711/mo
▼ 0.25% · 3.875%
HK$70,536
−HK$1,868/mo
Today · 4.125%
HK$72,404
baseline
▲ 0.50% · 4.625%
HK$76,221
+HK$3,817/mo
Deposit HK$5.80M · loan HK$13.54M · min. income ≈ HK$144,808/mo (50% DSR)
Upfront cash ≈ HK$6.53M (deposit + AVD stamp duty HK$725,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,389
−HK$4,979/mo
▼ 0.25% · 3.875%
HK$81,859
−HK$2,509/mo
Today · 4.125%
HK$84,368
baseline
▲ 0.50% · 4.625%
HK$89,501
+HK$5,133/mo
Deposit HK$1.93M · loan HK$17.41M · min. income ≈ HK$168,736/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$725,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,320
−HK$4,771/mo
▼ 0.25% · 3.875%
HK$90,689
−HK$2,402/mo
Today · 4.125%
HK$93,091
baseline
▲ 0.50% · 4.625%
HK$97,998
+HK$4,907/mo
Deposit HK$1.93M · loan HK$17.41M · min. income ≈ HK$186,182/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$725,333 · Scale 2, in force from 26 Feb 2026)