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$44,307
−HK$2,779/mo
▼ 0.25% · 3.875%
HK$45,686
−HK$1,400/mo
Today · 4.125%
HK$47,086
baseline
▲ 0.50% · 4.625%
HK$49,951
+HK$2,865/mo
Deposit HK$9.72M · loan HK$9.72M · min. income ≈ HK$94,172/mo (50% DSR)
Upfront cash ≈ HK$10.44M (deposit + AVD stamp duty HK$728,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,291
−HK$2,664/mo
▼ 0.25% · 3.875%
HK$50,613
−HK$1,342/mo
Today · 4.125%
HK$51,955
baseline
▲ 0.50% · 4.625%
HK$54,693
+HK$2,738/mo
Deposit HK$9.72M · loan HK$9.72M · min. income ≈ HK$103,910/mo (50% DSR)
Upfront cash ≈ HK$10.44M (deposit + AVD stamp duty HK$728,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,169
−HK$3,334/mo
▼ 0.25% · 3.875%
HK$54,823
−HK$1,680/mo
Today · 4.125%
HK$56,503
baseline
▲ 0.50% · 4.625%
HK$59,941
+HK$3,438/mo
Deposit HK$7.77M · loan HK$11.66M · min. income ≈ HK$113,006/mo (50% DSR)
Upfront cash ≈ HK$8.50M (deposit + AVD stamp duty HK$728,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,150
−HK$3,195/mo
▼ 0.25% · 3.875%
HK$60,736
−HK$1,609/mo
Today · 4.125%
HK$62,345
baseline
▲ 0.50% · 4.625%
HK$65,632
+HK$3,287/mo
Deposit HK$7.77M · loan HK$11.66M · min. income ≈ HK$124,690/mo (50% DSR)
Upfront cash ≈ HK$8.50M (deposit + AVD stamp duty HK$728,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,030
−HK$3,890/mo
▼ 0.25% · 3.875%
HK$63,960
−HK$1,960/mo
Today · 4.125%
HK$65,920
baseline
▲ 0.50% · 4.625%
HK$69,931
+HK$4,011/mo
Deposit HK$5.83M · loan HK$13.60M · min. income ≈ HK$131,840/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$728,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,008
−HK$3,728/mo
▼ 0.25% · 3.875%
HK$70,859
−HK$1,877/mo
Today · 4.125%
HK$72,736
baseline
▲ 0.50% · 4.625%
HK$76,570
+HK$3,834/mo
Deposit HK$5.83M · loan HK$13.60M · min. income ≈ HK$145,472/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$728,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,753
−HK$5,001/mo
▼ 0.25% · 3.875%
HK$82,234
−HK$2,520/mo
Today · 4.125%
HK$84,754
baseline
▲ 0.50% · 4.625%
HK$89,912
+HK$5,158/mo
Deposit HK$1.94M · loan HK$17.49M · min. income ≈ HK$169,508/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$728,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,725
−HK$4,793/mo
▼ 0.25% · 3.875%
HK$91,104
−HK$2,414/mo
Today · 4.125%
HK$93,518
baseline
▲ 0.50% · 4.625%
HK$98,448
+HK$4,930/mo
Deposit HK$1.94M · loan HK$17.49M · min. income ≈ HK$187,036/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$728,658 · Scale 2, in force from 26 Feb 2026)