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$44,076
−HK$2,764/mo
▼ 0.25% · 3.875%
HK$45,447
−HK$1,393/mo
Today · 4.125%
HK$46,840
baseline
▲ 0.50% · 4.625%
HK$49,690
+HK$2,850/mo
Deposit HK$9.66M · loan HK$9.66M · min. income ≈ HK$93,680/mo (50% DSR)
Upfront cash ≈ HK$10.39M (deposit + AVD stamp duty HK$724,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,034
−HK$2,649/mo
▼ 0.25% · 3.875%
HK$50,349
−HK$1,334/mo
Today · 4.125%
HK$51,683
baseline
▲ 0.50% · 4.625%
HK$54,407
+HK$2,724/mo
Deposit HK$9.66M · loan HK$9.66M · min. income ≈ HK$103,366/mo (50% DSR)
Upfront cash ≈ HK$10.39M (deposit + AVD stamp duty HK$724,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,891
−HK$3,316/mo
▼ 0.25% · 3.875%
HK$54,536
−HK$1,671/mo
Today · 4.125%
HK$56,207
baseline
▲ 0.50% · 4.625%
HK$59,628
+HK$3,421/mo
Deposit HK$7.73M · loan HK$11.60M · min. income ≈ HK$112,414/mo (50% DSR)
Upfront cash ≈ HK$8.46M (deposit + AVD stamp duty HK$724,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,840
−HK$3,179/mo
▼ 0.25% · 3.875%
HK$60,418
−HK$1,601/mo
Today · 4.125%
HK$62,019
baseline
▲ 0.50% · 4.625%
HK$65,288
+HK$3,269/mo
Deposit HK$7.73M · loan HK$11.60M · min. income ≈ HK$124,038/mo (50% DSR)
Upfront cash ≈ HK$8.46M (deposit + AVD stamp duty HK$724,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,706
−HK$3,869/mo
▼ 0.25% · 3.875%
HK$63,625
−HK$1,950/mo
Today · 4.125%
HK$65,575
baseline
▲ 0.50% · 4.625%
HK$69,565
+HK$3,990/mo
Deposit HK$5.80M · loan HK$13.53M · min. income ≈ HK$131,150/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$724,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,647
−HK$3,709/mo
▼ 0.25% · 3.875%
HK$70,488
−HK$1,868/mo
Today · 4.125%
HK$72,356
baseline
▲ 0.50% · 4.625%
HK$76,170
+HK$3,814/mo
Deposit HK$5.80M · loan HK$13.53M · min. income ≈ HK$144,712/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$724,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,336
−HK$4,975/mo
▼ 0.25% · 3.875%
HK$81,804
−HK$2,507/mo
Today · 4.125%
HK$84,311
baseline
▲ 0.50% · 4.625%
HK$89,441
+HK$5,130/mo
Deposit HK$1.93M · loan HK$17.40M · min. income ≈ HK$168,622/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$724,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,261
−HK$4,768/mo
▼ 0.25% · 3.875%
HK$90,628
−HK$2,401/mo
Today · 4.125%
HK$93,029
baseline
▲ 0.50% · 4.625%
HK$97,933
+HK$4,904/mo
Deposit HK$1.93M · loan HK$17.40M · min. income ≈ HK$186,058/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$724,847 · Scale 2, in force from 26 Feb 2026)