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$44,322
−HK$2,779/mo
▼ 0.25% · 3.875%
HK$45,700
−HK$1,401/mo
Today · 4.125%
HK$47,101
baseline
▲ 0.50% · 4.625%
HK$49,967
+HK$2,866/mo
Deposit HK$9.72M · loan HK$9.72M · min. income ≈ HK$94,202/mo (50% DSR)
Upfront cash ≈ HK$10.45M (deposit + AVD stamp duty HK$728,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,307
−HK$2,664/mo
▼ 0.25% · 3.875%
HK$50,630
−HK$1,341/mo
Today · 4.125%
HK$51,971
baseline
▲ 0.50% · 4.625%
HK$54,711
+HK$2,740/mo
Deposit HK$9.72M · loan HK$9.72M · min. income ≈ HK$103,942/mo (50% DSR)
Upfront cash ≈ HK$10.45M (deposit + AVD stamp duty HK$728,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,186
−HK$3,335/mo
▼ 0.25% · 3.875%
HK$54,840
−HK$1,681/mo
Today · 4.125%
HK$56,521
baseline
▲ 0.50% · 4.625%
HK$59,960
+HK$3,439/mo
Deposit HK$7.77M · loan HK$11.66M · min. income ≈ HK$113,042/mo (50% DSR)
Upfront cash ≈ HK$8.50M (deposit + AVD stamp duty HK$728,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,169
−HK$3,197/mo
▼ 0.25% · 3.875%
HK$60,756
−HK$1,610/mo
Today · 4.125%
HK$62,366
baseline
▲ 0.50% · 4.625%
HK$65,653
+HK$3,287/mo
Deposit HK$7.77M · loan HK$11.66M · min. income ≈ HK$124,732/mo (50% DSR)
Upfront cash ≈ HK$8.50M (deposit + AVD stamp duty HK$728,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,050
−HK$3,891/mo
▼ 0.25% · 3.875%
HK$63,980
−HK$1,961/mo
Today · 4.125%
HK$65,941
baseline
▲ 0.50% · 4.625%
HK$69,954
+HK$4,013/mo
Deposit HK$5.83M · loan HK$13.61M · min. income ≈ HK$131,882/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$728,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,030
−HK$3,730/mo
▼ 0.25% · 3.875%
HK$70,882
−HK$1,878/mo
Today · 4.125%
HK$72,760
baseline
▲ 0.50% · 4.625%
HK$76,595
+HK$3,835/mo
Deposit HK$5.83M · loan HK$13.61M · min. income ≈ HK$145,520/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$728,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,779
−HK$5,003/mo
▼ 0.25% · 3.875%
HK$82,261
−HK$2,521/mo
Today · 4.125%
HK$84,782
baseline
▲ 0.50% · 4.625%
HK$89,941
+HK$5,159/mo
Deposit HK$1.94M · loan HK$17.49M · min. income ≈ HK$169,564/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$728,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,753
−HK$4,795/mo
▼ 0.25% · 3.875%
HK$91,134
−HK$2,414/mo
Today · 4.125%
HK$93,548
baseline
▲ 0.50% · 4.625%
HK$98,479
+HK$4,931/mo
Deposit HK$1.94M · loan HK$17.49M · min. income ≈ HK$187,096/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$728,893 · Scale 2, in force from 26 Feb 2026)