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$44,058
−HK$2,763/mo
▼ 0.25% · 3.875%
HK$45,429
−HK$1,392/mo
Today · 4.125%
HK$46,821
baseline
▲ 0.50% · 4.625%
HK$49,670
+HK$2,849/mo
Deposit HK$9.66M · loan HK$9.66M · min. income ≈ HK$93,642/mo (50% DSR)
Upfront cash ≈ HK$10.39M (deposit + AVD stamp duty HK$724,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,014
−HK$2,648/mo
▼ 0.25% · 3.875%
HK$50,329
−HK$1,333/mo
Today · 4.125%
HK$51,662
baseline
▲ 0.50% · 4.625%
HK$54,386
+HK$2,724/mo
Deposit HK$9.66M · loan HK$9.66M · min. income ≈ HK$103,324/mo (50% DSR)
Upfront cash ≈ HK$10.39M (deposit + AVD stamp duty HK$724,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,870
−HK$3,315/mo
▼ 0.25% · 3.875%
HK$54,514
−HK$1,671/mo
Today · 4.125%
HK$56,185
baseline
▲ 0.50% · 4.625%
HK$59,604
+HK$3,419/mo
Deposit HK$7.73M · loan HK$11.59M · min. income ≈ HK$112,370/mo (50% DSR)
Upfront cash ≈ HK$8.45M (deposit + AVD stamp duty HK$724,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,817
−HK$3,178/mo
▼ 0.25% · 3.875%
HK$60,395
−HK$1,600/mo
Today · 4.125%
HK$61,995
baseline
▲ 0.50% · 4.625%
HK$65,263
+HK$3,268/mo
Deposit HK$7.73M · loan HK$11.59M · min. income ≈ HK$123,990/mo (50% DSR)
Upfront cash ≈ HK$8.45M (deposit + AVD stamp duty HK$724,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,682
−HK$3,868/mo
▼ 0.25% · 3.875%
HK$63,600
−HK$1,950/mo
Today · 4.125%
HK$65,550
baseline
▲ 0.50% · 4.625%
HK$69,538
+HK$3,988/mo
Deposit HK$5.80M · loan HK$13.53M · min. income ≈ HK$131,100/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$724,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,620
−HK$3,707/mo
▼ 0.25% · 3.875%
HK$70,460
−HK$1,867/mo
Today · 4.125%
HK$72,327
baseline
▲ 0.50% · 4.625%
HK$76,140
+HK$3,813/mo
Deposit HK$5.80M · loan HK$13.53M · min. income ≈ HK$144,654/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$724,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,305
−HK$4,973/mo
▼ 0.25% · 3.875%
HK$81,772
−HK$2,506/mo
Today · 4.125%
HK$84,278
baseline
▲ 0.50% · 4.625%
HK$89,406
+HK$5,128/mo
Deposit HK$1.93M · loan HK$17.39M · min. income ≈ HK$168,556/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$724,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,226
−HK$4,766/mo
▼ 0.25% · 3.875%
HK$90,592
−HK$2,400/mo
Today · 4.125%
HK$92,992
baseline
▲ 0.50% · 4.625%
HK$97,894
+HK$4,902/mo
Deposit HK$1.93M · loan HK$17.39M · min. income ≈ HK$185,984/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$724,561 · Scale 2, in force from 26 Feb 2026)