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$44,076
−HK$2,764/mo
▼ 0.25% · 3.875%
HK$45,447
−HK$1,393/mo
Today · 4.125%
HK$46,840
baseline
▲ 0.50% · 4.625%
HK$49,690
+HK$2,850/mo
Deposit HK$9.66M · loan HK$9.66M · min. income ≈ HK$93,680/mo (50% DSR)
Upfront cash ≈ HK$10.39M (deposit + AVD stamp duty HK$724,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,034
−HK$2,650/mo
▼ 0.25% · 3.875%
HK$50,349
−HK$1,335/mo
Today · 4.125%
HK$51,684
baseline
▲ 0.50% · 4.625%
HK$54,408
+HK$2,724/mo
Deposit HK$9.66M · loan HK$9.66M · min. income ≈ HK$103,368/mo (50% DSR)
Upfront cash ≈ HK$10.39M (deposit + AVD stamp duty HK$724,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,891
−HK$3,317/mo
▼ 0.25% · 3.875%
HK$54,537
−HK$1,671/mo
Today · 4.125%
HK$56,208
baseline
▲ 0.50% · 4.625%
HK$59,628
+HK$3,420/mo
Deposit HK$7.73M · loan HK$11.60M · min. income ≈ HK$112,416/mo (50% DSR)
Upfront cash ≈ HK$8.46M (deposit + AVD stamp duty HK$724,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,841
−HK$3,179/mo
▼ 0.25% · 3.875%
HK$60,419
−HK$1,601/mo
Today · 4.125%
HK$62,020
baseline
▲ 0.50% · 4.625%
HK$65,289
+HK$3,269/mo
Deposit HK$7.73M · loan HK$11.60M · min. income ≈ HK$124,040/mo (50% DSR)
Upfront cash ≈ HK$8.46M (deposit + AVD stamp duty HK$724,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,707
−HK$3,869/mo
▼ 0.25% · 3.875%
HK$63,626
−HK$1,950/mo
Today · 4.125%
HK$65,576
baseline
▲ 0.50% · 4.625%
HK$69,566
+HK$3,990/mo
Deposit HK$5.80M · loan HK$13.53M · min. income ≈ HK$131,152/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$724,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,648
−HK$3,709/mo
▼ 0.25% · 3.875%
HK$70,489
−HK$1,868/mo
Today · 4.125%
HK$72,357
baseline
▲ 0.50% · 4.625%
HK$76,171
+HK$3,814/mo
Deposit HK$5.80M · loan HK$13.53M · min. income ≈ HK$144,714/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$724,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,337
−HK$4,975/mo
▼ 0.25% · 3.875%
HK$81,805
−HK$2,507/mo
Today · 4.125%
HK$84,312
baseline
▲ 0.50% · 4.625%
HK$89,443
+HK$5,131/mo
Deposit HK$1.93M · loan HK$17.40M · min. income ≈ HK$168,624/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$724,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,262
−HK$4,768/mo
▼ 0.25% · 3.875%
HK$90,629
−HK$2,401/mo
Today · 4.125%
HK$93,030
baseline
▲ 0.50% · 4.625%
HK$97,934
+HK$4,904/mo
Deposit HK$1.93M · loan HK$17.40M · min. income ≈ HK$186,060/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$724,857 · Scale 2, in force from 26 Feb 2026)