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$44,055
−HK$2,763/mo
▼ 0.25% · 3.875%
HK$45,426
−HK$1,392/mo
Today · 4.125%
HK$46,818
baseline
▲ 0.50% · 4.625%
HK$49,667
+HK$2,849/mo
Deposit HK$9.66M · loan HK$9.66M · min. income ≈ HK$93,636/mo (50% DSR)
Upfront cash ≈ HK$10.38M (deposit + AVD stamp duty HK$724,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,011
−HK$2,648/mo
▼ 0.25% · 3.875%
HK$50,325
−HK$1,334/mo
Today · 4.125%
HK$51,659
baseline
▲ 0.50% · 4.625%
HK$54,382
+HK$2,723/mo
Deposit HK$9.66M · loan HK$9.66M · min. income ≈ HK$103,318/mo (50% DSR)
Upfront cash ≈ HK$10.38M (deposit + AVD stamp duty HK$724,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,866
−HK$3,315/mo
▼ 0.25% · 3.875%
HK$54,511
−HK$1,670/mo
Today · 4.125%
HK$56,181
baseline
▲ 0.50% · 4.625%
HK$59,600
+HK$3,419/mo
Deposit HK$7.73M · loan HK$11.59M · min. income ≈ HK$112,362/mo (50% DSR)
Upfront cash ≈ HK$8.45M (deposit + AVD stamp duty HK$724,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,813
−HK$3,178/mo
▼ 0.25% · 3.875%
HK$60,391
−HK$1,600/mo
Today · 4.125%
HK$61,991
baseline
▲ 0.50% · 4.625%
HK$65,258
+HK$3,267/mo
Deposit HK$7.73M · loan HK$11.59M · min. income ≈ HK$123,982/mo (50% DSR)
Upfront cash ≈ HK$8.45M (deposit + AVD stamp duty HK$724,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,677
−HK$3,868/mo
▼ 0.25% · 3.875%
HK$63,596
−HK$1,949/mo
Today · 4.125%
HK$65,545
baseline
▲ 0.50% · 4.625%
HK$69,533
+HK$3,988/mo
Deposit HK$5.80M · loan HK$13.52M · min. income ≈ HK$131,090/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$724,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,615
−HK$3,707/mo
▼ 0.25% · 3.875%
HK$70,456
−HK$1,866/mo
Today · 4.125%
HK$72,322
baseline
▲ 0.50% · 4.625%
HK$76,135
+HK$3,813/mo
Deposit HK$5.80M · loan HK$13.52M · min. income ≈ HK$144,644/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$724,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,299
−HK$4,973/mo
▼ 0.25% · 3.875%
HK$81,766
−HK$2,506/mo
Today · 4.125%
HK$84,272
baseline
▲ 0.50% · 4.625%
HK$89,400
+HK$5,128/mo
Deposit HK$1.93M · loan HK$17.39M · min. income ≈ HK$168,544/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$724,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,220
−HK$4,766/mo
▼ 0.25% · 3.875%
HK$90,586
−HK$2,400/mo
Today · 4.125%
HK$92,986
baseline
▲ 0.50% · 4.625%
HK$97,887
+HK$4,901/mo
Deposit HK$1.93M · loan HK$17.39M · min. income ≈ HK$185,972/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$724,511 · Scale 2, in force from 26 Feb 2026)