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$44,134
−HK$2,768/mo
▼ 0.25% · 3.875%
HK$45,507
−HK$1,395/mo
Today · 4.125%
HK$46,902
baseline
▲ 0.50% · 4.625%
HK$49,756
+HK$2,854/mo
Deposit HK$9.68M · loan HK$9.68M · min. income ≈ HK$93,804/mo (50% DSR)
Upfront cash ≈ HK$10.40M (deposit + AVD stamp duty HK$725,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,099
−HK$2,652/mo
▼ 0.25% · 3.875%
HK$50,416
−HK$1,335/mo
Today · 4.125%
HK$51,751
baseline
▲ 0.50% · 4.625%
HK$54,479
+HK$2,728/mo
Deposit HK$9.68M · loan HK$9.68M · min. income ≈ HK$103,502/mo (50% DSR)
Upfront cash ≈ HK$10.40M (deposit + AVD stamp duty HK$725,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,961
−HK$3,321/mo
▼ 0.25% · 3.875%
HK$54,608
−HK$1,674/mo
Today · 4.125%
HK$56,282
baseline
▲ 0.50% · 4.625%
HK$59,707
+HK$3,425/mo
Deposit HK$7.74M · loan HK$11.61M · min. income ≈ HK$112,564/mo (50% DSR)
Upfront cash ≈ HK$8.47M (deposit + AVD stamp duty HK$725,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,919
−HK$3,183/mo
▼ 0.25% · 3.875%
HK$60,499
−HK$1,603/mo
Today · 4.125%
HK$62,102
baseline
▲ 0.50% · 4.625%
HK$65,375
+HK$3,273/mo
Deposit HK$7.74M · loan HK$11.61M · min. income ≈ HK$124,204/mo (50% DSR)
Upfront cash ≈ HK$8.47M (deposit + AVD stamp duty HK$725,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,788
−HK$3,874/mo
▼ 0.25% · 3.875%
HK$63,710
−HK$1,952/mo
Today · 4.125%
HK$65,662
baseline
▲ 0.50% · 4.625%
HK$69,658
+HK$3,996/mo
Deposit HK$5.81M · loan HK$13.55M · min. income ≈ HK$131,324/mo (50% DSR)
Upfront cash ≈ HK$6.53M (deposit + AVD stamp duty HK$725,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,738
−HK$3,714/mo
▼ 0.25% · 3.875%
HK$70,582
−HK$1,870/mo
Today · 4.125%
HK$72,452
baseline
▲ 0.50% · 4.625%
HK$76,271
+HK$3,819/mo
Deposit HK$5.81M · loan HK$13.55M · min. income ≈ HK$144,904/mo (50% DSR)
Upfront cash ≈ HK$6.53M (deposit + AVD stamp duty HK$725,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,442
−HK$4,981/mo
▼ 0.25% · 3.875%
HK$81,913
−HK$2,510/mo
Today · 4.125%
HK$84,423
baseline
▲ 0.50% · 4.625%
HK$89,560
+HK$5,137/mo
Deposit HK$1.94M · loan HK$17.42M · min. income ≈ HK$168,846/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$725,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,378
−HK$4,775/mo
▼ 0.25% · 3.875%
HK$90,748
−HK$2,405/mo
Today · 4.125%
HK$93,153
baseline
▲ 0.50% · 4.625%
HK$98,063
+HK$4,910/mo
Deposit HK$1.94M · loan HK$17.42M · min. income ≈ HK$186,306/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$725,810 · Scale 2, in force from 26 Feb 2026)