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$44,366
−HK$2,782/mo
▼ 0.25% · 3.875%
HK$45,746
−HK$1,402/mo
Today · 4.125%
HK$47,148
baseline
▲ 0.50% · 4.625%
HK$50,017
+HK$2,869/mo
Deposit HK$9.73M · loan HK$9.73M · min. income ≈ HK$94,296/mo (50% DSR)
Upfront cash ≈ HK$10.46M (deposit + AVD stamp duty HK$729,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,357
−HK$2,666/mo
▼ 0.25% · 3.875%
HK$50,681
−HK$1,342/mo
Today · 4.125%
HK$52,023
baseline
▲ 0.50% · 4.625%
HK$54,766
+HK$2,743/mo
Deposit HK$9.73M · loan HK$9.73M · min. income ≈ HK$104,046/mo (50% DSR)
Upfront cash ≈ HK$10.46M (deposit + AVD stamp duty HK$729,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,239
−HK$3,339/mo
▼ 0.25% · 3.875%
HK$54,895
−HK$1,683/mo
Today · 4.125%
HK$56,578
baseline
▲ 0.50% · 4.625%
HK$60,021
+HK$3,443/mo
Deposit HK$7.78M · loan HK$11.67M · min. income ≈ HK$113,156/mo (50% DSR)
Upfront cash ≈ HK$8.51M (deposit + AVD stamp duty HK$729,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,228
−HK$3,200/mo
▼ 0.25% · 3.875%
HK$60,817
−HK$1,611/mo
Today · 4.125%
HK$62,428
baseline
▲ 0.50% · 4.625%
HK$65,719
+HK$3,291/mo
Deposit HK$7.78M · loan HK$11.67M · min. income ≈ HK$124,856/mo (50% DSR)
Upfront cash ≈ HK$8.51M (deposit + AVD stamp duty HK$729,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,113
−HK$3,895/mo
▼ 0.25% · 3.875%
HK$64,045
−HK$1,963/mo
Today · 4.125%
HK$66,008
baseline
▲ 0.50% · 4.625%
HK$70,024
+HK$4,016/mo
Deposit HK$5.84M · loan HK$13.62M · min. income ≈ HK$132,016/mo (50% DSR)
Upfront cash ≈ HK$6.57M (deposit + AVD stamp duty HK$729,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,100
−HK$3,733/mo
▼ 0.25% · 3.875%
HK$70,953
−HK$1,880/mo
Today · 4.125%
HK$72,833
baseline
▲ 0.50% · 4.625%
HK$76,672
+HK$3,839/mo
Deposit HK$5.84M · loan HK$13.62M · min. income ≈ HK$145,666/mo (50% DSR)
Upfront cash ≈ HK$6.57M (deposit + AVD stamp duty HK$729,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,859
−HK$5,008/mo
▼ 0.25% · 3.875%
HK$82,343
−HK$2,524/mo
Today · 4.125%
HK$84,867
baseline
▲ 0.50% · 4.625%
HK$90,031
+HK$5,164/mo
Deposit HK$1.95M · loan HK$17.51M · min. income ≈ HK$169,734/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$729,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,842
−HK$4,800/mo
▼ 0.25% · 3.875%
HK$91,225
−HK$2,417/mo
Today · 4.125%
HK$93,642
baseline
▲ 0.50% · 4.625%
HK$98,578
+HK$4,936/mo
Deposit HK$1.95M · loan HK$17.51M · min. income ≈ HK$187,284/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$729,624 · Scale 2, in force from 26 Feb 2026)