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$44,061
−HK$2,763/mo
▼ 0.25% · 3.875%
HK$45,431
−HK$1,393/mo
Today · 4.125%
HK$46,824
baseline
▲ 0.50% · 4.625%
HK$49,673
+HK$2,849/mo
Deposit HK$9.66M · loan HK$9.66M · min. income ≈ HK$93,648/mo (50% DSR)
Upfront cash ≈ HK$10.39M (deposit + AVD stamp duty HK$724,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,017
−HK$2,648/mo
▼ 0.25% · 3.875%
HK$50,332
−HK$1,333/mo
Today · 4.125%
HK$51,665
baseline
▲ 0.50% · 4.625%
HK$54,388
+HK$2,723/mo
Deposit HK$9.66M · loan HK$9.66M · min. income ≈ HK$103,330/mo (50% DSR)
Upfront cash ≈ HK$10.39M (deposit + AVD stamp duty HK$724,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,873
−HK$3,315/mo
▼ 0.25% · 3.875%
HK$54,517
−HK$1,671/mo
Today · 4.125%
HK$56,188
baseline
▲ 0.50% · 4.625%
HK$59,607
+HK$3,419/mo
Deposit HK$7.73M · loan HK$11.59M · min. income ≈ HK$112,376/mo (50% DSR)
Upfront cash ≈ HK$8.45M (deposit + AVD stamp duty HK$724,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,820
−HK$3,178/mo
▼ 0.25% · 3.875%
HK$60,398
−HK$1,600/mo
Today · 4.125%
HK$61,998
baseline
▲ 0.50% · 4.625%
HK$65,266
+HK$3,268/mo
Deposit HK$7.73M · loan HK$11.59M · min. income ≈ HK$123,996/mo (50% DSR)
Upfront cash ≈ HK$8.45M (deposit + AVD stamp duty HK$724,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,685
−HK$3,868/mo
▼ 0.25% · 3.875%
HK$63,603
−HK$1,950/mo
Today · 4.125%
HK$65,553
baseline
▲ 0.50% · 4.625%
HK$69,542
+HK$3,989/mo
Deposit HK$5.80M · loan HK$13.53M · min. income ≈ HK$131,106/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$724,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,624
−HK$3,707/mo
▼ 0.25% · 3.875%
HK$70,464
−HK$1,867/mo
Today · 4.125%
HK$72,331
baseline
▲ 0.50% · 4.625%
HK$76,144
+HK$3,813/mo
Deposit HK$5.80M · loan HK$13.53M · min. income ≈ HK$144,662/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$724,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,309
−HK$4,973/mo
▼ 0.25% · 3.875%
HK$81,776
−HK$2,506/mo
Today · 4.125%
HK$84,282
baseline
▲ 0.50% · 4.625%
HK$89,411
+HK$5,129/mo
Deposit HK$1.93M · loan HK$17.39M · min. income ≈ HK$168,564/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$724,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,230
−HK$4,767/mo
▼ 0.25% · 3.875%
HK$90,597
−HK$2,400/mo
Today · 4.125%
HK$92,997
baseline
▲ 0.50% · 4.625%
HK$97,899
+HK$4,902/mo
Deposit HK$1.93M · loan HK$17.39M · min. income ≈ HK$185,994/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$724,599 · Scale 2, in force from 26 Feb 2026)