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$44,085
−HK$2,764/mo
▼ 0.25% · 3.875%
HK$45,456
−HK$1,393/mo
Today · 4.125%
HK$46,849
baseline
▲ 0.50% · 4.625%
HK$49,700
+HK$2,851/mo
Deposit HK$9.67M · loan HK$9.67M · min. income ≈ HK$93,698/mo (50% DSR)
Upfront cash ≈ HK$10.39M (deposit + AVD stamp duty HK$724,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,044
−HK$2,649/mo
▼ 0.25% · 3.875%
HK$50,359
−HK$1,334/mo
Today · 4.125%
HK$51,693
baseline
▲ 0.50% · 4.625%
HK$54,418
+HK$2,725/mo
Deposit HK$9.67M · loan HK$9.67M · min. income ≈ HK$103,386/mo (50% DSR)
Upfront cash ≈ HK$10.39M (deposit + AVD stamp duty HK$724,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,902
−HK$3,317/mo
▼ 0.25% · 3.875%
HK$54,547
−HK$1,672/mo
Today · 4.125%
HK$56,219
baseline
▲ 0.50% · 4.625%
HK$59,640
+HK$3,421/mo
Deposit HK$7.73M · loan HK$11.60M · min. income ≈ HK$112,438/mo (50% DSR)
Upfront cash ≈ HK$8.46M (deposit + AVD stamp duty HK$724,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,852
−HK$3,180/mo
▼ 0.25% · 3.875%
HK$60,431
−HK$1,601/mo
Today · 4.125%
HK$62,032
baseline
▲ 0.50% · 4.625%
HK$65,302
+HK$3,270/mo
Deposit HK$7.73M · loan HK$11.60M · min. income ≈ HK$124,064/mo (50% DSR)
Upfront cash ≈ HK$8.46M (deposit + AVD stamp duty HK$724,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,718
−HK$3,871/mo
▼ 0.25% · 3.875%
HK$63,638
−HK$1,951/mo
Today · 4.125%
HK$65,589
baseline
▲ 0.50% · 4.625%
HK$69,580
+HK$3,991/mo
Deposit HK$5.80M · loan HK$13.53M · min. income ≈ HK$131,178/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$724,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,661
−HK$3,710/mo
▼ 0.25% · 3.875%
HK$70,503
−HK$1,868/mo
Today · 4.125%
HK$72,371
baseline
▲ 0.50% · 4.625%
HK$76,186
+HK$3,815/mo
Deposit HK$5.80M · loan HK$13.53M · min. income ≈ HK$144,742/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$724,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,352
−HK$4,976/mo
▼ 0.25% · 3.875%
HK$81,821
−HK$2,507/mo
Today · 4.125%
HK$84,328
baseline
▲ 0.50% · 4.625%
HK$89,460
+HK$5,132/mo
Deposit HK$1.93M · loan HK$17.40M · min. income ≈ HK$168,656/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$724,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,279
−HK$4,769/mo
▼ 0.25% · 3.875%
HK$90,646
−HK$2,402/mo
Today · 4.125%
HK$93,048
baseline
▲ 0.50% · 4.625%
HK$97,953
+HK$4,905/mo
Deposit HK$1.93M · loan HK$17.40M · min. income ≈ HK$186,096/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$724,995 · Scale 2, in force from 26 Feb 2026)