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$44,272
−HK$2,777/mo
▼ 0.25% · 3.875%
HK$45,649
−HK$1,400/mo
Today · 4.125%
HK$47,049
baseline
▲ 0.50% · 4.625%
HK$49,911
+HK$2,862/mo
Deposit HK$9.71M · loan HK$9.71M · min. income ≈ HK$94,098/mo (50% DSR)
Upfront cash ≈ HK$10.44M (deposit + AVD stamp duty HK$728,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,252
−HK$2,661/mo
▼ 0.25% · 3.875%
HK$50,573
−HK$1,340/mo
Today · 4.125%
HK$51,913
baseline
▲ 0.50% · 4.625%
HK$54,650
+HK$2,737/mo
Deposit HK$9.71M · loan HK$9.71M · min. income ≈ HK$103,826/mo (50% DSR)
Upfront cash ≈ HK$10.44M (deposit + AVD stamp duty HK$728,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,127
−HK$3,331/mo
▼ 0.25% · 3.875%
HK$54,779
−HK$1,679/mo
Today · 4.125%
HK$56,458
baseline
▲ 0.50% · 4.625%
HK$59,894
+HK$3,436/mo
Deposit HK$7.77M · loan HK$11.65M · min. income ≈ HK$112,916/mo (50% DSR)
Upfront cash ≈ HK$8.49M (deposit + AVD stamp duty HK$728,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,103
−HK$3,193/mo
▼ 0.25% · 3.875%
HK$60,688
−HK$1,608/mo
Today · 4.125%
HK$62,296
baseline
▲ 0.50% · 4.625%
HK$65,580
+HK$3,284/mo
Deposit HK$7.77M · loan HK$11.65M · min. income ≈ HK$124,592/mo (50% DSR)
Upfront cash ≈ HK$8.49M (deposit + AVD stamp duty HK$728,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,981
−HK$3,887/mo
▼ 0.25% · 3.875%
HK$63,909
−HK$1,959/mo
Today · 4.125%
HK$65,868
baseline
▲ 0.50% · 4.625%
HK$69,876
+HK$4,008/mo
Deposit HK$5.82M · loan HK$13.59M · min. income ≈ HK$131,736/mo (50% DSR)
Upfront cash ≈ HK$6.55M (deposit + AVD stamp duty HK$728,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,953
−HK$3,726/mo
▼ 0.25% · 3.875%
HK$70,803
−HK$1,876/mo
Today · 4.125%
HK$72,679
baseline
▲ 0.50% · 4.625%
HK$76,510
+HK$3,831/mo
Deposit HK$5.82M · loan HK$13.59M · min. income ≈ HK$145,358/mo (50% DSR)
Upfront cash ≈ HK$6.55M (deposit + AVD stamp duty HK$728,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,690
−HK$4,997/mo
▼ 0.25% · 3.875%
HK$82,169
−HK$2,518/mo
Today · 4.125%
HK$84,687
baseline
▲ 0.50% · 4.625%
HK$89,840
+HK$5,153/mo
Deposit HK$1.94M · loan HK$17.47M · min. income ≈ HK$169,374/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$728,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,654
−HK$4,790/mo
▼ 0.25% · 3.875%
HK$91,032
−HK$2,412/mo
Today · 4.125%
HK$93,444
baseline
▲ 0.50% · 4.625%
HK$98,370
+HK$4,926/mo
Deposit HK$1.94M · loan HK$17.47M · min. income ≈ HK$186,888/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$728,080 · Scale 2, in force from 26 Feb 2026)