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$44,330
−HK$2,780/mo
▼ 0.25% · 3.875%
HK$45,709
−HK$1,401/mo
Today · 4.125%
HK$47,110
baseline
▲ 0.50% · 4.625%
HK$49,976
+HK$2,866/mo
Deposit HK$9.72M · loan HK$9.72M · min. income ≈ HK$94,220/mo (50% DSR)
Upfront cash ≈ HK$10.45M (deposit + AVD stamp duty HK$729,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,317
−HK$2,664/mo
▼ 0.25% · 3.875%
HK$50,639
−HK$1,342/mo
Today · 4.125%
HK$51,981
baseline
▲ 0.50% · 4.625%
HK$54,721
+HK$2,740/mo
Deposit HK$9.72M · loan HK$9.72M · min. income ≈ HK$103,962/mo (50% DSR)
Upfront cash ≈ HK$10.45M (deposit + AVD stamp duty HK$729,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,196
−HK$3,336/mo
▼ 0.25% · 3.875%
HK$54,851
−HK$1,681/mo
Today · 4.125%
HK$56,532
baseline
▲ 0.50% · 4.625%
HK$59,972
+HK$3,440/mo
Deposit HK$7.78M · loan HK$11.66M · min. income ≈ HK$113,064/mo (50% DSR)
Upfront cash ≈ HK$8.51M (deposit + AVD stamp duty HK$729,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,180
−HK$3,197/mo
▼ 0.25% · 3.875%
HK$60,767
−HK$1,610/mo
Today · 4.125%
HK$62,377
baseline
▲ 0.50% · 4.625%
HK$65,665
+HK$3,288/mo
Deposit HK$7.78M · loan HK$11.66M · min. income ≈ HK$124,754/mo (50% DSR)
Upfront cash ≈ HK$8.51M (deposit + AVD stamp duty HK$729,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,062
−HK$3,892/mo
▼ 0.25% · 3.875%
HK$63,992
−HK$1,962/mo
Today · 4.125%
HK$65,954
baseline
▲ 0.50% · 4.625%
HK$69,967
+HK$4,013/mo
Deposit HK$5.83M · loan HK$13.61M · min. income ≈ HK$131,908/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$729,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,043
−HK$3,730/mo
▼ 0.25% · 3.875%
HK$70,895
−HK$1,878/mo
Today · 4.125%
HK$72,773
baseline
▲ 0.50% · 4.625%
HK$76,609
+HK$3,836/mo
Deposit HK$5.83M · loan HK$13.61M · min. income ≈ HK$145,546/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$729,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,794
−HK$5,004/mo
▼ 0.25% · 3.875%
HK$82,276
−HK$2,522/mo
Today · 4.125%
HK$84,798
baseline
▲ 0.50% · 4.625%
HK$89,957
+HK$5,159/mo
Deposit HK$1.94M · loan HK$17.50M · min. income ≈ HK$169,596/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$729,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,770
−HK$4,796/mo
▼ 0.25% · 3.875%
HK$91,151
−HK$2,415/mo
Today · 4.125%
HK$93,566
baseline
▲ 0.50% · 4.625%
HK$98,498
+HK$4,932/mo
Deposit HK$1.94M · loan HK$17.50M · min. income ≈ HK$187,132/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$729,030 · Scale 2, in force from 26 Feb 2026)