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$44,327
−HK$2,780/mo
▼ 0.25% · 3.875%
HK$45,706
−HK$1,401/mo
Today · 4.125%
HK$47,107
baseline
▲ 0.50% · 4.625%
HK$49,973
+HK$2,866/mo
Deposit HK$9.72M · loan HK$9.72M · min. income ≈ HK$94,214/mo (50% DSR)
Upfront cash ≈ HK$10.45M (deposit + AVD stamp duty HK$728,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,314
−HK$2,664/mo
▼ 0.25% · 3.875%
HK$50,636
−HK$1,342/mo
Today · 4.125%
HK$51,978
baseline
▲ 0.50% · 4.625%
HK$54,718
+HK$2,740/mo
Deposit HK$9.72M · loan HK$9.72M · min. income ≈ HK$103,956/mo (50% DSR)
Upfront cash ≈ HK$10.45M (deposit + AVD stamp duty HK$728,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,193
−HK$3,335/mo
▼ 0.25% · 3.875%
HK$54,847
−HK$1,681/mo
Today · 4.125%
HK$56,528
baseline
▲ 0.50% · 4.625%
HK$59,968
+HK$3,440/mo
Deposit HK$7.78M · loan HK$11.66M · min. income ≈ HK$113,056/mo (50% DSR)
Upfront cash ≈ HK$8.50M (deposit + AVD stamp duty HK$728,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,176
−HK$3,197/mo
▼ 0.25% · 3.875%
HK$60,763
−HK$1,610/mo
Today · 4.125%
HK$62,373
baseline
▲ 0.50% · 4.625%
HK$65,661
+HK$3,288/mo
Deposit HK$7.78M · loan HK$11.66M · min. income ≈ HK$124,746/mo (50% DSR)
Upfront cash ≈ HK$8.50M (deposit + AVD stamp duty HK$728,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,058
−HK$3,892/mo
▼ 0.25% · 3.875%
HK$63,988
−HK$1,962/mo
Today · 4.125%
HK$65,950
baseline
▲ 0.50% · 4.625%
HK$69,963
+HK$4,013/mo
Deposit HK$5.83M · loan HK$13.61M · min. income ≈ HK$131,900/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$728,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,039
−HK$3,730/mo
▼ 0.25% · 3.875%
HK$70,891
−HK$1,878/mo
Today · 4.125%
HK$72,769
baseline
▲ 0.50% · 4.625%
HK$76,605
+HK$3,836/mo
Deposit HK$5.83M · loan HK$13.61M · min. income ≈ HK$145,538/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$728,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,789
−HK$5,003/mo
▼ 0.25% · 3.875%
HK$82,271
−HK$2,521/mo
Today · 4.125%
HK$84,792
baseline
▲ 0.50% · 4.625%
HK$89,952
+HK$5,160/mo
Deposit HK$1.94M · loan HK$17.50M · min. income ≈ HK$169,584/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$728,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,764
−HK$4,796/mo
▼ 0.25% · 3.875%
HK$91,145
−HK$2,415/mo
Today · 4.125%
HK$93,560
baseline
▲ 0.50% · 4.625%
HK$98,492
+HK$4,932/mo
Deposit HK$1.94M · loan HK$17.50M · min. income ≈ HK$187,120/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$728,984 · Scale 2, in force from 26 Feb 2026)