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$44,290
−HK$2,777/mo
▼ 0.25% · 3.875%
HK$45,668
−HK$1,399/mo
Today · 4.125%
HK$47,067
baseline
▲ 0.50% · 4.625%
HK$49,931
+HK$2,864/mo
Deposit HK$9.71M · loan HK$9.71M · min. income ≈ HK$94,134/mo (50% DSR)
Upfront cash ≈ HK$10.44M (deposit + AVD stamp duty HK$728,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,272
−HK$2,662/mo
▼ 0.25% · 3.875%
HK$50,594
−HK$1,340/mo
Today · 4.125%
HK$51,934
baseline
▲ 0.50% · 4.625%
HK$54,672
+HK$2,738/mo
Deposit HK$9.71M · loan HK$9.71M · min. income ≈ HK$103,868/mo (50% DSR)
Upfront cash ≈ HK$10.44M (deposit + AVD stamp duty HK$728,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,148
−HK$3,333/mo
▼ 0.25% · 3.875%
HK$54,801
−HK$1,680/mo
Today · 4.125%
HK$56,481
baseline
▲ 0.50% · 4.625%
HK$59,918
+HK$3,437/mo
Deposit HK$7.77M · loan HK$11.65M · min. income ≈ HK$112,962/mo (50% DSR)
Upfront cash ≈ HK$8.50M (deposit + AVD stamp duty HK$728,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,127
−HK$3,194/mo
▼ 0.25% · 3.875%
HK$60,712
−HK$1,609/mo
Today · 4.125%
HK$62,321
baseline
▲ 0.50% · 4.625%
HK$65,606
+HK$3,285/mo
Deposit HK$7.77M · loan HK$11.65M · min. income ≈ HK$124,642/mo (50% DSR)
Upfront cash ≈ HK$8.50M (deposit + AVD stamp duty HK$728,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,006
−HK$3,888/mo
▼ 0.25% · 3.875%
HK$63,935
−HK$1,959/mo
Today · 4.125%
HK$65,894
baseline
▲ 0.50% · 4.625%
HK$69,904
+HK$4,010/mo
Deposit HK$5.83M · loan HK$13.60M · min. income ≈ HK$131,788/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$728,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,981
−HK$3,727/mo
▼ 0.25% · 3.875%
HK$70,831
−HK$1,877/mo
Today · 4.125%
HK$72,708
baseline
▲ 0.50% · 4.625%
HK$76,540
+HK$3,832/mo
Deposit HK$5.83M · loan HK$13.60M · min. income ≈ HK$145,416/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$728,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,722
−HK$4,999/mo
▼ 0.25% · 3.875%
HK$82,202
−HK$2,519/mo
Today · 4.125%
HK$84,721
baseline
▲ 0.50% · 4.625%
HK$89,876
+HK$5,155/mo
Deposit HK$1.94M · loan HK$17.48M · min. income ≈ HK$169,442/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$728,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,690
−HK$4,792/mo
▼ 0.25% · 3.875%
HK$91,069
−HK$2,413/mo
Today · 4.125%
HK$93,482
baseline
▲ 0.50% · 4.625%
HK$98,409
+HK$4,927/mo
Deposit HK$1.94M · loan HK$17.48M · min. income ≈ HK$186,964/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$728,372 · Scale 2, in force from 26 Feb 2026)