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$44,092
−HK$2,764/mo
▼ 0.25% · 3.875%
HK$45,463
−HK$1,393/mo
Today · 4.125%
HK$46,856
baseline
▲ 0.50% · 4.625%
HK$49,708
+HK$2,852/mo
Deposit HK$9.67M · loan HK$9.67M · min. income ≈ HK$93,712/mo (50% DSR)
Upfront cash ≈ HK$10.39M (deposit + AVD stamp duty HK$725,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,051
−HK$2,651/mo
▼ 0.25% · 3.875%
HK$50,367
−HK$1,335/mo
Today · 4.125%
HK$51,702
baseline
▲ 0.50% · 4.625%
HK$54,427
+HK$2,725/mo
Deposit HK$9.67M · loan HK$9.67M · min. income ≈ HK$103,404/mo (50% DSR)
Upfront cash ≈ HK$10.39M (deposit + AVD stamp duty HK$725,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,910
−HK$3,318/mo
▼ 0.25% · 3.875%
HK$54,556
−HK$1,672/mo
Today · 4.125%
HK$56,228
baseline
▲ 0.50% · 4.625%
HK$59,649
+HK$3,421/mo
Deposit HK$7.73M · loan HK$11.60M · min. income ≈ HK$112,456/mo (50% DSR)
Upfront cash ≈ HK$8.46M (deposit + AVD stamp duty HK$725,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,862
−HK$3,180/mo
▼ 0.25% · 3.875%
HK$60,440
−HK$1,602/mo
Today · 4.125%
HK$62,042
baseline
▲ 0.50% · 4.625%
HK$65,312
+HK$3,270/mo
Deposit HK$7.73M · loan HK$11.60M · min. income ≈ HK$124,084/mo (50% DSR)
Upfront cash ≈ HK$8.46M (deposit + AVD stamp duty HK$725,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,728
−HK$3,871/mo
▼ 0.25% · 3.875%
HK$63,648
−HK$1,951/mo
Today · 4.125%
HK$65,599
baseline
▲ 0.50% · 4.625%
HK$69,591
+HK$3,992/mo
Deposit HK$5.80M · loan HK$13.54M · min. income ≈ HK$131,198/mo (50% DSR)
Upfront cash ≈ HK$6.53M (deposit + AVD stamp duty HK$725,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,672
−HK$3,710/mo
▼ 0.25% · 3.875%
HK$70,514
−HK$1,868/mo
Today · 4.125%
HK$72,382
baseline
▲ 0.50% · 4.625%
HK$76,197
+HK$3,815/mo
Deposit HK$5.80M · loan HK$13.54M · min. income ≈ HK$144,764/mo (50% DSR)
Upfront cash ≈ HK$6.53M (deposit + AVD stamp duty HK$725,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,365
−HK$4,977/mo
▼ 0.25% · 3.875%
HK$81,834
−HK$2,508/mo
Today · 4.125%
HK$84,342
baseline
▲ 0.50% · 4.625%
HK$89,474
+HK$5,132/mo
Deposit HK$1.93M · loan HK$17.40M · min. income ≈ HK$168,684/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$725,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,293
−HK$4,770/mo
▼ 0.25% · 3.875%
HK$90,661
−HK$2,402/mo
Today · 4.125%
HK$93,063
baseline
▲ 0.50% · 4.625%
HK$97,968
+HK$4,905/mo
Deposit HK$1.93M · loan HK$17.40M · min. income ≈ HK$186,126/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$725,109 · Scale 2, in force from 26 Feb 2026)