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$44,270
−HK$2,777/mo
▼ 0.25% · 3.875%
HK$45,647
−HK$1,400/mo
Today · 4.125%
HK$47,047
baseline
▲ 0.50% · 4.625%
HK$49,909
+HK$2,862/mo
Deposit HK$9.71M · loan HK$9.71M · min. income ≈ HK$94,094/mo (50% DSR)
Upfront cash ≈ HK$10.44M (deposit + AVD stamp duty HK$728,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,250
−HK$2,661/mo
▼ 0.25% · 3.875%
HK$50,571
−HK$1,340/mo
Today · 4.125%
HK$51,911
baseline
▲ 0.50% · 4.625%
HK$54,648
+HK$2,737/mo
Deposit HK$9.71M · loan HK$9.71M · min. income ≈ HK$103,822/mo (50% DSR)
Upfront cash ≈ HK$10.44M (deposit + AVD stamp duty HK$728,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,125
−HK$3,331/mo
▼ 0.25% · 3.875%
HK$54,777
−HK$1,679/mo
Today · 4.125%
HK$56,456
baseline
▲ 0.50% · 4.625%
HK$59,891
+HK$3,435/mo
Deposit HK$7.77M · loan HK$11.65M · min. income ≈ HK$112,912/mo (50% DSR)
Upfront cash ≈ HK$8.49M (deposit + AVD stamp duty HK$728,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,100
−HK$3,193/mo
▼ 0.25% · 3.875%
HK$60,686
−HK$1,607/mo
Today · 4.125%
HK$62,293
baseline
▲ 0.50% · 4.625%
HK$65,577
+HK$3,284/mo
Deposit HK$7.77M · loan HK$11.65M · min. income ≈ HK$124,586/mo (50% DSR)
Upfront cash ≈ HK$8.49M (deposit + AVD stamp duty HK$728,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,979
−HK$3,886/mo
▼ 0.25% · 3.875%
HK$63,906
−HK$1,959/mo
Today · 4.125%
HK$65,865
baseline
▲ 0.50% · 4.625%
HK$69,873
+HK$4,008/mo
Deposit HK$5.82M · loan HK$13.59M · min. income ≈ HK$131,730/mo (50% DSR)
Upfront cash ≈ HK$6.55M (deposit + AVD stamp duty HK$728,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,951
−HK$3,725/mo
▼ 0.25% · 3.875%
HK$70,800
−HK$1,876/mo
Today · 4.125%
HK$72,676
baseline
▲ 0.50% · 4.625%
HK$76,507
+HK$3,831/mo
Deposit HK$5.82M · loan HK$13.59M · min. income ≈ HK$145,352/mo (50% DSR)
Upfront cash ≈ HK$6.55M (deposit + AVD stamp duty HK$728,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,687
−HK$4,997/mo
▼ 0.25% · 3.875%
HK$82,165
−HK$2,519/mo
Today · 4.125%
HK$84,684
baseline
▲ 0.50% · 4.625%
HK$89,837
+HK$5,153/mo
Deposit HK$1.94M · loan HK$17.47M · min. income ≈ HK$169,368/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$728,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,651
−HK$4,789/mo
▼ 0.25% · 3.875%
HK$91,028
−HK$2,412/mo
Today · 4.125%
HK$93,440
baseline
▲ 0.50% · 4.625%
HK$98,366
+HK$4,926/mo
Deposit HK$1.94M · loan HK$17.47M · min. income ≈ HK$186,880/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$728,051 · Scale 2, in force from 26 Feb 2026)