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$44,119
−HK$2,767/mo
▼ 0.25% · 3.875%
HK$45,492
−HK$1,394/mo
Today · 4.125%
HK$46,886
baseline
▲ 0.50% · 4.625%
HK$49,739
+HK$2,853/mo
Deposit HK$9.67M · loan HK$9.67M · min. income ≈ HK$93,772/mo (50% DSR)
Upfront cash ≈ HK$10.40M (deposit + AVD stamp duty HK$725,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,082
−HK$2,652/mo
▼ 0.25% · 3.875%
HK$50,399
−HK$1,335/mo
Today · 4.125%
HK$51,734
baseline
▲ 0.50% · 4.625%
HK$54,461
+HK$2,727/mo
Deposit HK$9.67M · loan HK$9.67M · min. income ≈ HK$103,468/mo (50% DSR)
Upfront cash ≈ HK$10.40M (deposit + AVD stamp duty HK$725,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,943
−HK$3,320/mo
▼ 0.25% · 3.875%
HK$54,590
−HK$1,673/mo
Today · 4.125%
HK$56,263
baseline
▲ 0.50% · 4.625%
HK$59,687
+HK$3,424/mo
Deposit HK$7.74M · loan HK$11.61M · min. income ≈ HK$112,526/mo (50% DSR)
Upfront cash ≈ HK$8.46M (deposit + AVD stamp duty HK$725,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,899
−HK$3,182/mo
▼ 0.25% · 3.875%
HK$60,478
−HK$1,603/mo
Today · 4.125%
HK$62,081
baseline
▲ 0.50% · 4.625%
HK$65,353
+HK$3,272/mo
Deposit HK$7.74M · loan HK$11.61M · min. income ≈ HK$124,162/mo (50% DSR)
Upfront cash ≈ HK$8.46M (deposit + AVD stamp duty HK$725,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,767
−HK$3,873/mo
▼ 0.25% · 3.875%
HK$63,688
−HK$1,952/mo
Today · 4.125%
HK$65,640
baseline
▲ 0.50% · 4.625%
HK$69,634
+HK$3,994/mo
Deposit HK$5.80M · loan HK$13.54M · min. income ≈ HK$131,280/mo (50% DSR)
Upfront cash ≈ HK$6.53M (deposit + AVD stamp duty HK$725,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,715
−HK$3,713/mo
▼ 0.25% · 3.875%
HK$70,558
−HK$1,870/mo
Today · 4.125%
HK$72,428
baseline
▲ 0.50% · 4.625%
HK$76,245
+HK$3,817/mo
Deposit HK$5.80M · loan HK$13.54M · min. income ≈ HK$144,856/mo (50% DSR)
Upfront cash ≈ HK$6.53M (deposit + AVD stamp duty HK$725,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,415
−HK$4,980/mo
▼ 0.25% · 3.875%
HK$81,885
−HK$2,510/mo
Today · 4.125%
HK$84,395
baseline
▲ 0.50% · 4.625%
HK$89,530
+HK$5,135/mo
Deposit HK$1.93M · loan HK$17.41M · min. income ≈ HK$168,790/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$725,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,348
−HK$4,773/mo
▼ 0.25% · 3.875%
HK$90,717
−HK$2,404/mo
Today · 4.125%
HK$93,121
baseline
▲ 0.50% · 4.625%
HK$98,030
+HK$4,909/mo
Deposit HK$1.93M · loan HK$17.41M · min. income ≈ HK$186,242/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$725,565 · Scale 2, in force from 26 Feb 2026)