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$44,047
−HK$2,762/mo
▼ 0.25% · 3.875%
HK$45,417
−HK$1,392/mo
Today · 4.125%
HK$46,809
baseline
▲ 0.50% · 4.625%
HK$49,657
+HK$2,848/mo
Deposit HK$9.66M · loan HK$9.66M · min. income ≈ HK$93,618/mo (50% DSR)
Upfront cash ≈ HK$10.38M (deposit + AVD stamp duty HK$724,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,002
−HK$2,647/mo
▼ 0.25% · 3.875%
HK$50,316
−HK$1,333/mo
Today · 4.125%
HK$51,649
baseline
▲ 0.50% · 4.625%
HK$54,372
+HK$2,723/mo
Deposit HK$9.66M · loan HK$9.66M · min. income ≈ HK$103,298/mo (50% DSR)
Upfront cash ≈ HK$10.38M (deposit + AVD stamp duty HK$724,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,856
−HK$3,315/mo
▼ 0.25% · 3.875%
HK$54,500
−HK$1,671/mo
Today · 4.125%
HK$56,171
baseline
▲ 0.50% · 4.625%
HK$59,589
+HK$3,418/mo
Deposit HK$7.73M · loan HK$11.59M · min. income ≈ HK$112,342/mo (50% DSR)
Upfront cash ≈ HK$8.45M (deposit + AVD stamp duty HK$724,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,802
−HK$3,177/mo
▼ 0.25% · 3.875%
HK$60,379
−HK$1,600/mo
Today · 4.125%
HK$61,979
baseline
▲ 0.50% · 4.625%
HK$65,246
+HK$3,267/mo
Deposit HK$7.73M · loan HK$11.59M · min. income ≈ HK$123,958/mo (50% DSR)
Upfront cash ≈ HK$8.45M (deposit + AVD stamp duty HK$724,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,666
−HK$3,867/mo
▼ 0.25% · 3.875%
HK$63,584
−HK$1,949/mo
Today · 4.125%
HK$65,533
baseline
▲ 0.50% · 4.625%
HK$69,520
+HK$3,987/mo
Deposit HK$5.79M · loan HK$13.52M · min. income ≈ HK$131,066/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$724,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,602
−HK$3,707/mo
▼ 0.25% · 3.875%
HK$70,442
−HK$1,867/mo
Today · 4.125%
HK$72,309
baseline
▲ 0.50% · 4.625%
HK$76,120
+HK$3,811/mo
Deposit HK$5.79M · loan HK$13.52M · min. income ≈ HK$144,618/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$724,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,284
−HK$4,972/mo
▼ 0.25% · 3.875%
HK$81,751
−HK$2,505/mo
Today · 4.125%
HK$84,256
baseline
▲ 0.50% · 4.625%
HK$89,383
+HK$5,127/mo
Deposit HK$1.93M · loan HK$17.38M · min. income ≈ HK$168,512/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$724,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,203
−HK$4,765/mo
▼ 0.25% · 3.875%
HK$90,569
−HK$2,399/mo
Today · 4.125%
HK$92,968
baseline
▲ 0.50% · 4.625%
HK$97,869
+HK$4,901/mo
Deposit HK$1.93M · loan HK$17.38M · min. income ≈ HK$185,936/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$724,374 · Scale 2, in force from 26 Feb 2026)