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$44,287
−HK$2,777/mo
▼ 0.25% · 3.875%
HK$45,664
−HK$1,400/mo
Today · 4.125%
HK$47,064
baseline
▲ 0.50% · 4.625%
HK$49,927
+HK$2,863/mo
Deposit HK$9.71M · loan HK$9.71M · min. income ≈ HK$94,128/mo (50% DSR)
Upfront cash ≈ HK$10.44M (deposit + AVD stamp duty HK$728,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,268
−HK$2,662/mo
▼ 0.25% · 3.875%
HK$50,590
−HK$1,340/mo
Today · 4.125%
HK$51,930
baseline
▲ 0.50% · 4.625%
HK$54,667
+HK$2,737/mo
Deposit HK$9.71M · loan HK$9.71M · min. income ≈ HK$103,860/mo (50% DSR)
Upfront cash ≈ HK$10.44M (deposit + AVD stamp duty HK$728,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,144
−HK$3,332/mo
▼ 0.25% · 3.875%
HK$54,797
−HK$1,679/mo
Today · 4.125%
HK$56,476
baseline
▲ 0.50% · 4.625%
HK$59,913
+HK$3,437/mo
Deposit HK$7.77M · loan HK$11.65M · min. income ≈ HK$112,952/mo (50% DSR)
Upfront cash ≈ HK$8.50M (deposit + AVD stamp duty HK$728,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,122
−HK$3,194/mo
▼ 0.25% · 3.875%
HK$60,708
−HK$1,608/mo
Today · 4.125%
HK$62,316
baseline
▲ 0.50% · 4.625%
HK$65,601
+HK$3,285/mo
Deposit HK$7.77M · loan HK$11.65M · min. income ≈ HK$124,632/mo (50% DSR)
Upfront cash ≈ HK$8.50M (deposit + AVD stamp duty HK$728,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,001
−HK$3,888/mo
▼ 0.25% · 3.875%
HK$63,930
−HK$1,959/mo
Today · 4.125%
HK$65,889
baseline
▲ 0.50% · 4.625%
HK$69,898
+HK$4,009/mo
Deposit HK$5.83M · loan HK$13.60M · min. income ≈ HK$131,778/mo (50% DSR)
Upfront cash ≈ HK$6.55M (deposit + AVD stamp duty HK$728,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,976
−HK$3,726/mo
▼ 0.25% · 3.875%
HK$70,826
−HK$1,876/mo
Today · 4.125%
HK$72,702
baseline
▲ 0.50% · 4.625%
HK$76,534
+HK$3,832/mo
Deposit HK$5.83M · loan HK$13.60M · min. income ≈ HK$145,404/mo (50% DSR)
Upfront cash ≈ HK$6.55M (deposit + AVD stamp duty HK$728,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,716
−HK$4,999/mo
▼ 0.25% · 3.875%
HK$82,195
−HK$2,520/mo
Today · 4.125%
HK$84,715
baseline
▲ 0.50% · 4.625%
HK$89,869
+HK$5,154/mo
Deposit HK$1.94M · loan HK$17.48M · min. income ≈ HK$169,430/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$728,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,683
−HK$4,791/mo
▼ 0.25% · 3.875%
HK$91,061
−HK$2,413/mo
Today · 4.125%
HK$93,474
baseline
▲ 0.50% · 4.625%
HK$98,401
+HK$4,927/mo
Deposit HK$1.94M · loan HK$17.48M · min. income ≈ HK$186,948/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$728,315 · Scale 2, in force from 26 Feb 2026)