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$44,067
−HK$2,764/mo
▼ 0.25% · 3.875%
HK$45,438
−HK$1,393/mo
Today · 4.125%
HK$46,831
baseline
▲ 0.50% · 4.625%
HK$49,680
+HK$2,849/mo
Deposit HK$9.66M · loan HK$9.66M · min. income ≈ HK$93,662/mo (50% DSR)
Upfront cash ≈ HK$10.39M (deposit + AVD stamp duty HK$724,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,025
−HK$2,648/mo
▼ 0.25% · 3.875%
HK$50,339
−HK$1,334/mo
Today · 4.125%
HK$51,673
baseline
▲ 0.50% · 4.625%
HK$54,397
+HK$2,724/mo
Deposit HK$9.66M · loan HK$9.66M · min. income ≈ HK$103,346/mo (50% DSR)
Upfront cash ≈ HK$10.39M (deposit + AVD stamp duty HK$724,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,881
−HK$3,316/mo
▼ 0.25% · 3.875%
HK$54,526
−HK$1,671/mo
Today · 4.125%
HK$56,197
baseline
▲ 0.50% · 4.625%
HK$59,617
+HK$3,420/mo
Deposit HK$7.73M · loan HK$11.60M · min. income ≈ HK$112,394/mo (50% DSR)
Upfront cash ≈ HK$8.45M (deposit + AVD stamp duty HK$724,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,830
−HK$3,178/mo
▼ 0.25% · 3.875%
HK$60,407
−HK$1,601/mo
Today · 4.125%
HK$62,008
baseline
▲ 0.50% · 4.625%
HK$65,276
+HK$3,268/mo
Deposit HK$7.73M · loan HK$11.60M · min. income ≈ HK$124,016/mo (50% DSR)
Upfront cash ≈ HK$8.45M (deposit + AVD stamp duty HK$724,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,694
−HK$3,869/mo
▼ 0.25% · 3.875%
HK$63,614
−HK$1,949/mo
Today · 4.125%
HK$65,563
baseline
▲ 0.50% · 4.625%
HK$69,553
+HK$3,990/mo
Deposit HK$5.80M · loan HK$13.53M · min. income ≈ HK$131,126/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$724,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,634
−HK$3,709/mo
▼ 0.25% · 3.875%
HK$70,475
−HK$1,868/mo
Today · 4.125%
HK$72,343
baseline
▲ 0.50% · 4.625%
HK$76,156
+HK$3,813/mo
Deposit HK$5.80M · loan HK$13.53M · min. income ≈ HK$144,686/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$724,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,321
−HK$4,975/mo
▼ 0.25% · 3.875%
HK$81,789
−HK$2,507/mo
Today · 4.125%
HK$84,296
baseline
▲ 0.50% · 4.625%
HK$89,425
+HK$5,129/mo
Deposit HK$1.93M · loan HK$17.39M · min. income ≈ HK$168,592/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$724,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,244
−HK$4,768/mo
▼ 0.25% · 3.875%
HK$90,611
−HK$2,401/mo
Today · 4.125%
HK$93,012
baseline
▲ 0.50% · 4.625%
HK$97,915
+HK$4,903/mo
Deposit HK$1.93M · loan HK$17.39M · min. income ≈ HK$186,024/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$724,713 · Scale 2, in force from 26 Feb 2026)