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$44,113
−HK$2,766/mo
▼ 0.25% · 3.875%
HK$45,485
−HK$1,394/mo
Today · 4.125%
HK$46,879
baseline
▲ 0.50% · 4.625%
HK$49,732
+HK$2,853/mo
Deposit HK$9.67M · loan HK$9.67M · min. income ≈ HK$93,758/mo (50% DSR)
Upfront cash ≈ HK$10.40M (deposit + AVD stamp duty HK$725,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,075
−HK$2,651/mo
▼ 0.25% · 3.875%
HK$50,391
−HK$1,335/mo
Today · 4.125%
HK$51,726
baseline
▲ 0.50% · 4.625%
HK$54,453
+HK$2,727/mo
Deposit HK$9.67M · loan HK$9.67M · min. income ≈ HK$103,452/mo (50% DSR)
Upfront cash ≈ HK$10.40M (deposit + AVD stamp duty HK$725,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,935
−HK$3,320/mo
▼ 0.25% · 3.875%
HK$54,582
−HK$1,673/mo
Today · 4.125%
HK$56,255
baseline
▲ 0.50% · 4.625%
HK$59,678
+HK$3,423/mo
Deposit HK$7.74M · loan HK$11.61M · min. income ≈ HK$112,510/mo (50% DSR)
Upfront cash ≈ HK$8.46M (deposit + AVD stamp duty HK$725,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,890
−HK$3,182/mo
▼ 0.25% · 3.875%
HK$60,470
−HK$1,602/mo
Today · 4.125%
HK$62,072
baseline
▲ 0.50% · 4.625%
HK$65,344
+HK$3,272/mo
Deposit HK$7.74M · loan HK$11.61M · min. income ≈ HK$124,144/mo (50% DSR)
Upfront cash ≈ HK$8.46M (deposit + AVD stamp duty HK$725,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,758
−HK$3,873/mo
▼ 0.25% · 3.875%
HK$63,679
−HK$1,952/mo
Today · 4.125%
HK$65,631
baseline
▲ 0.50% · 4.625%
HK$69,624
+HK$3,993/mo
Deposit HK$5.80M · loan HK$13.54M · min. income ≈ HK$131,262/mo (50% DSR)
Upfront cash ≈ HK$6.53M (deposit + AVD stamp duty HK$725,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,705
−HK$3,712/mo
▼ 0.25% · 3.875%
HK$70,548
−HK$1,869/mo
Today · 4.125%
HK$72,417
baseline
▲ 0.50% · 4.625%
HK$76,234
+HK$3,817/mo
Deposit HK$5.80M · loan HK$13.54M · min. income ≈ HK$144,834/mo (50% DSR)
Upfront cash ≈ HK$6.53M (deposit + AVD stamp duty HK$725,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,403
−HK$4,979/mo
▼ 0.25% · 3.875%
HK$81,873
−HK$2,509/mo
Today · 4.125%
HK$84,382
baseline
▲ 0.50% · 4.625%
HK$89,517
+HK$5,135/mo
Deposit HK$1.93M · loan HK$17.41M · min. income ≈ HK$168,764/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$725,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,335
−HK$4,773/mo
▼ 0.25% · 3.875%
HK$90,704
−HK$2,404/mo
Today · 4.125%
HK$93,108
baseline
▲ 0.50% · 4.625%
HK$98,016
+HK$4,908/mo
Deposit HK$1.93M · loan HK$17.41M · min. income ≈ HK$186,216/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$725,459 · Scale 2, in force from 26 Feb 2026)