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$44,329
−HK$2,780/mo
▼ 0.25% · 3.875%
HK$45,708
−HK$1,401/mo
Today · 4.125%
HK$47,109
baseline
▲ 0.50% · 4.625%
HK$49,975
+HK$2,866/mo
Deposit HK$9.72M · loan HK$9.72M · min. income ≈ HK$94,218/mo (50% DSR)
Upfront cash ≈ HK$10.45M (deposit + AVD stamp duty HK$729,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,315
−HK$2,665/mo
▼ 0.25% · 3.875%
HK$50,638
−HK$1,342/mo
Today · 4.125%
HK$51,980
baseline
▲ 0.50% · 4.625%
HK$54,720
+HK$2,740/mo
Deposit HK$9.72M · loan HK$9.72M · min. income ≈ HK$103,960/mo (50% DSR)
Upfront cash ≈ HK$10.45M (deposit + AVD stamp duty HK$729,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,195
−HK$3,335/mo
▼ 0.25% · 3.875%
HK$54,849
−HK$1,681/mo
Today · 4.125%
HK$56,530
baseline
▲ 0.50% · 4.625%
HK$59,970
+HK$3,440/mo
Deposit HK$7.78M · loan HK$11.66M · min. income ≈ HK$113,060/mo (50% DSR)
Upfront cash ≈ HK$8.51M (deposit + AVD stamp duty HK$729,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,178
−HK$3,198/mo
▼ 0.25% · 3.875%
HK$60,765
−HK$1,611/mo
Today · 4.125%
HK$62,376
baseline
▲ 0.50% · 4.625%
HK$65,663
+HK$3,287/mo
Deposit HK$7.78M · loan HK$11.66M · min. income ≈ HK$124,752/mo (50% DSR)
Upfront cash ≈ HK$8.51M (deposit + AVD stamp duty HK$729,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,060
−HK$3,892/mo
▼ 0.25% · 3.875%
HK$63,991
−HK$1,961/mo
Today · 4.125%
HK$65,952
baseline
▲ 0.50% · 4.625%
HK$69,965
+HK$4,013/mo
Deposit HK$5.83M · loan HK$13.61M · min. income ≈ HK$131,904/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$729,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,041
−HK$3,731/mo
▼ 0.25% · 3.875%
HK$70,893
−HK$1,879/mo
Today · 4.125%
HK$72,772
baseline
▲ 0.50% · 4.625%
HK$76,607
+HK$3,835/mo
Deposit HK$5.83M · loan HK$13.61M · min. income ≈ HK$145,544/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$729,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,792
−HK$5,003/mo
▼ 0.25% · 3.875%
HK$82,274
−HK$2,521/mo
Today · 4.125%
HK$84,795
baseline
▲ 0.50% · 4.625%
HK$89,955
+HK$5,160/mo
Deposit HK$1.94M · loan HK$17.50M · min. income ≈ HK$169,590/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$729,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,768
−HK$4,795/mo
▼ 0.25% · 3.875%
HK$91,148
−HK$2,415/mo
Today · 4.125%
HK$93,563
baseline
▲ 0.50% · 4.625%
HK$98,495
+HK$4,932/mo
Deposit HK$1.94M · loan HK$17.50M · min. income ≈ HK$187,126/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$729,010 · Scale 2, in force from 26 Feb 2026)