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$44,311
−HK$2,779/mo
▼ 0.25% · 3.875%
HK$45,690
−HK$1,400/mo
Today · 4.125%
HK$47,090
baseline
▲ 0.50% · 4.625%
HK$49,955
+HK$2,865/mo
Deposit HK$9.72M · loan HK$9.72M · min. income ≈ HK$94,180/mo (50% DSR)
Upfront cash ≈ HK$10.45M (deposit + AVD stamp duty HK$728,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,296
−HK$2,663/mo
▼ 0.25% · 3.875%
HK$50,618
−HK$1,341/mo
Today · 4.125%
HK$51,959
baseline
▲ 0.50% · 4.625%
HK$54,698
+HK$2,739/mo
Deposit HK$9.72M · loan HK$9.72M · min. income ≈ HK$103,918/mo (50% DSR)
Upfront cash ≈ HK$10.45M (deposit + AVD stamp duty HK$728,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,174
−HK$3,334/mo
▼ 0.25% · 3.875%
HK$54,828
−HK$1,680/mo
Today · 4.125%
HK$56,508
baseline
▲ 0.50% · 4.625%
HK$59,947
+HK$3,439/mo
Deposit HK$7.77M · loan HK$11.66M · min. income ≈ HK$113,016/mo (50% DSR)
Upfront cash ≈ HK$8.50M (deposit + AVD stamp duty HK$728,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,155
−HK$3,196/mo
▼ 0.25% · 3.875%
HK$60,742
−HK$1,609/mo
Today · 4.125%
HK$62,351
baseline
▲ 0.50% · 4.625%
HK$65,638
+HK$3,287/mo
Deposit HK$7.77M · loan HK$11.66M · min. income ≈ HK$124,702/mo (50% DSR)
Upfront cash ≈ HK$8.50M (deposit + AVD stamp duty HK$728,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,036
−HK$3,890/mo
▼ 0.25% · 3.875%
HK$63,966
−HK$1,960/mo
Today · 4.125%
HK$65,926
baseline
▲ 0.50% · 4.625%
HK$69,938
+HK$4,012/mo
Deposit HK$5.83M · loan HK$13.60M · min. income ≈ HK$131,852/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$728,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,014
−HK$3,729/mo
▼ 0.25% · 3.875%
HK$70,865
−HK$1,878/mo
Today · 4.125%
HK$72,743
baseline
▲ 0.50% · 4.625%
HK$76,577
+HK$3,834/mo
Deposit HK$5.83M · loan HK$13.60M · min. income ≈ HK$145,486/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$728,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,761
−HK$5,001/mo
▼ 0.25% · 3.875%
HK$82,242
−HK$2,520/mo
Today · 4.125%
HK$84,762
baseline
▲ 0.50% · 4.625%
HK$89,920
+HK$5,158/mo
Deposit HK$1.94M · loan HK$17.49M · min. income ≈ HK$169,524/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$728,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,733
−HK$4,794/mo
▼ 0.25% · 3.875%
HK$91,113
−HK$2,414/mo
Today · 4.125%
HK$93,527
baseline
▲ 0.50% · 4.625%
HK$98,457
+HK$4,930/mo
Deposit HK$1.94M · loan HK$17.49M · min. income ≈ HK$187,054/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$728,725 · Scale 2, in force from 26 Feb 2026)