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$44,349
−HK$2,781/mo
▼ 0.25% · 3.875%
HK$45,728
−HK$1,402/mo
Today · 4.125%
HK$47,130
baseline
▲ 0.50% · 4.625%
HK$49,998
+HK$2,868/mo
Deposit HK$9.72M · loan HK$9.72M · min. income ≈ HK$94,260/mo (50% DSR)
Upfront cash ≈ HK$10.45M (deposit + AVD stamp duty HK$729,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,338
−HK$2,665/mo
▼ 0.25% · 3.875%
HK$50,661
−HK$1,342/mo
Today · 4.125%
HK$52,003
baseline
▲ 0.50% · 4.625%
HK$54,744
+HK$2,741/mo
Deposit HK$9.72M · loan HK$9.72M · min. income ≈ HK$104,006/mo (50% DSR)
Upfront cash ≈ HK$10.45M (deposit + AVD stamp duty HK$729,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,218
−HK$3,338/mo
▼ 0.25% · 3.875%
HK$54,874
−HK$1,682/mo
Today · 4.125%
HK$56,556
baseline
▲ 0.50% · 4.625%
HK$59,997
+HK$3,441/mo
Deposit HK$7.78M · loan HK$11.67M · min. income ≈ HK$113,112/mo (50% DSR)
Upfront cash ≈ HK$8.51M (deposit + AVD stamp duty HK$729,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,205
−HK$3,199/mo
▼ 0.25% · 3.875%
HK$60,793
−HK$1,611/mo
Today · 4.125%
HK$62,404
baseline
▲ 0.50% · 4.625%
HK$65,693
+HK$3,289/mo
Deposit HK$7.78M · loan HK$11.67M · min. income ≈ HK$124,808/mo (50% DSR)
Upfront cash ≈ HK$8.51M (deposit + AVD stamp duty HK$729,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,088
−HK$3,894/mo
▼ 0.25% · 3.875%
HK$64,020
−HK$1,962/mo
Today · 4.125%
HK$65,982
baseline
▲ 0.50% · 4.625%
HK$69,997
+HK$4,015/mo
Deposit HK$5.83M · loan HK$13.61M · min. income ≈ HK$131,964/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$729,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,073
−HK$3,731/mo
▼ 0.25% · 3.875%
HK$70,925
−HK$1,879/mo
Today · 4.125%
HK$72,804
baseline
▲ 0.50% · 4.625%
HK$76,642
+HK$3,838/mo
Deposit HK$5.83M · loan HK$13.61M · min. income ≈ HK$145,608/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$729,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,828
−HK$5,006/mo
▼ 0.25% · 3.875%
HK$82,311
−HK$2,523/mo
Today · 4.125%
HK$84,834
baseline
▲ 0.50% · 4.625%
HK$89,996
+HK$5,162/mo
Deposit HK$1.94M · loan HK$17.50M · min. income ≈ HK$169,668/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$729,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,808
−HK$4,798/mo
▼ 0.25% · 3.875%
HK$91,189
−HK$2,417/mo
Today · 4.125%
HK$93,606
baseline
▲ 0.50% · 4.625%
HK$98,540
+HK$4,934/mo
Deposit HK$1.94M · loan HK$17.50M · min. income ≈ HK$187,212/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$729,338 · Scale 2, in force from 26 Feb 2026)