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$43,843
−HK$2,750/mo
▼ 0.25% · 3.875%
HK$45,207
−HK$1,386/mo
Today · 4.125%
HK$46,593
baseline
▲ 0.50% · 4.625%
HK$49,428
+HK$2,835/mo
Deposit HK$9.61M · loan HK$9.61M · min. income ≈ HK$93,186/mo (50% DSR)
Upfront cash ≈ HK$10.33M (deposit + AVD stamp duty HK$721,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,775
−HK$2,635/mo
▼ 0.25% · 3.875%
HK$50,083
−HK$1,327/mo
Today · 4.125%
HK$51,410
baseline
▲ 0.50% · 4.625%
HK$54,120
+HK$2,710/mo
Deposit HK$9.61M · loan HK$9.61M · min. income ≈ HK$102,820/mo (50% DSR)
Upfront cash ≈ HK$10.33M (deposit + AVD stamp duty HK$721,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,612
−HK$3,299/mo
▼ 0.25% · 3.875%
HK$54,248
−HK$1,663/mo
Today · 4.125%
HK$55,911
baseline
▲ 0.50% · 4.625%
HK$59,313
+HK$3,402/mo
Deposit HK$7.69M · loan HK$11.54M · min. income ≈ HK$111,822/mo (50% DSR)
Upfront cash ≈ HK$8.41M (deposit + AVD stamp duty HK$721,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,530
−HK$3,162/mo
▼ 0.25% · 3.875%
HK$60,100
−HK$1,592/mo
Today · 4.125%
HK$61,692
baseline
▲ 0.50% · 4.625%
HK$64,944
+HK$3,252/mo
Deposit HK$7.69M · loan HK$11.54M · min. income ≈ HK$123,384/mo (50% DSR)
Upfront cash ≈ HK$8.41M (deposit + AVD stamp duty HK$721,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,381
−HK$3,849/mo
▼ 0.25% · 3.875%
HK$63,290
−HK$1,940/mo
Today · 4.125%
HK$65,230
baseline
▲ 0.50% · 4.625%
HK$69,199
+HK$3,969/mo
Deposit HK$5.77M · loan HK$13.46M · min. income ≈ HK$130,460/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$721,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,285
−HK$3,689/mo
▼ 0.25% · 3.875%
HK$70,117
−HK$1,857/mo
Today · 4.125%
HK$71,974
baseline
▲ 0.50% · 4.625%
HK$75,768
+HK$3,794/mo
Deposit HK$5.77M · loan HK$13.46M · min. income ≈ HK$143,948/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$721,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,918
−HK$4,949/mo
▼ 0.25% · 3.875%
HK$81,373
−HK$2,494/mo
Today · 4.125%
HK$83,867
baseline
▲ 0.50% · 4.625%
HK$88,970
+HK$5,103/mo
Deposit HK$1.92M · loan HK$17.30M · min. income ≈ HK$167,734/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$721,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,795
−HK$4,744/mo
▼ 0.25% · 3.875%
HK$90,150
−HK$2,389/mo
Today · 4.125%
HK$92,539
baseline
▲ 0.50% · 4.625%
HK$97,416
+HK$4,877/mo
Deposit HK$1.92M · loan HK$17.30M · min. income ≈ HK$185,078/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$721,025 · Scale 2, in force from 26 Feb 2026)