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$44,326
−HK$2,779/mo
▼ 0.25% · 3.875%
HK$45,705
−HK$1,400/mo
Today · 4.125%
HK$47,105
baseline
▲ 0.50% · 4.625%
HK$49,972
+HK$2,867/mo
Deposit HK$9.72M · loan HK$9.72M · min. income ≈ HK$94,210/mo (50% DSR)
Upfront cash ≈ HK$10.45M (deposit + AVD stamp duty HK$728,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,312
−HK$2,664/mo
▼ 0.25% · 3.875%
HK$50,635
−HK$1,341/mo
Today · 4.125%
HK$51,976
baseline
▲ 0.50% · 4.625%
HK$54,716
+HK$2,740/mo
Deposit HK$9.72M · loan HK$9.72M · min. income ≈ HK$103,952/mo (50% DSR)
Upfront cash ≈ HK$10.45M (deposit + AVD stamp duty HK$728,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,191
−HK$3,336/mo
▼ 0.25% · 3.875%
HK$54,846
−HK$1,681/mo
Today · 4.125%
HK$56,527
baseline
▲ 0.50% · 4.625%
HK$59,966
+HK$3,439/mo
Deposit HK$7.78M · loan HK$11.66M · min. income ≈ HK$113,054/mo (50% DSR)
Upfront cash ≈ HK$8.50M (deposit + AVD stamp duty HK$728,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,174
−HK$3,197/mo
▼ 0.25% · 3.875%
HK$60,761
−HK$1,610/mo
Today · 4.125%
HK$62,371
baseline
▲ 0.50% · 4.625%
HK$65,659
+HK$3,288/mo
Deposit HK$7.78M · loan HK$11.66M · min. income ≈ HK$124,742/mo (50% DSR)
Upfront cash ≈ HK$8.50M (deposit + AVD stamp duty HK$728,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,056
−HK$3,892/mo
▼ 0.25% · 3.875%
HK$63,986
−HK$1,962/mo
Today · 4.125%
HK$65,948
baseline
▲ 0.50% · 4.625%
HK$69,960
+HK$4,012/mo
Deposit HK$5.83M · loan HK$13.61M · min. income ≈ HK$131,896/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$728,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,037
−HK$3,730/mo
▼ 0.25% · 3.875%
HK$70,888
−HK$1,879/mo
Today · 4.125%
HK$72,767
baseline
▲ 0.50% · 4.625%
HK$76,602
+HK$3,835/mo
Deposit HK$5.83M · loan HK$13.61M · min. income ≈ HK$145,534/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$728,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,786
−HK$5,004/mo
▼ 0.25% · 3.875%
HK$82,268
−HK$2,522/mo
Today · 4.125%
HK$84,790
baseline
▲ 0.50% · 4.625%
HK$89,949
+HK$5,159/mo
Deposit HK$1.94M · loan HK$17.50M · min. income ≈ HK$169,580/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$728,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,762
−HK$4,795/mo
▼ 0.25% · 3.875%
HK$91,142
−HK$2,415/mo
Today · 4.125%
HK$93,557
baseline
▲ 0.50% · 4.625%
HK$98,489
+HK$4,932/mo
Deposit HK$1.94M · loan HK$17.50M · min. income ≈ HK$187,114/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$728,961 · Scale 2, in force from 26 Feb 2026)