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$44,100
−HK$2,766/mo
▼ 0.25% · 3.875%
HK$45,472
−HK$1,394/mo
Today · 4.125%
HK$46,866
baseline
▲ 0.50% · 4.625%
HK$49,718
+HK$2,852/mo
Deposit HK$9.67M · loan HK$9.67M · min. income ≈ HK$93,732/mo (50% DSR)
Upfront cash ≈ HK$10.40M (deposit + AVD stamp duty HK$725,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,061
−HK$2,651/mo
▼ 0.25% · 3.875%
HK$50,377
−HK$1,335/mo
Today · 4.125%
HK$51,712
baseline
▲ 0.50% · 4.625%
HK$54,438
+HK$2,726/mo
Deposit HK$9.67M · loan HK$9.67M · min. income ≈ HK$103,424/mo (50% DSR)
Upfront cash ≈ HK$10.40M (deposit + AVD stamp duty HK$725,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,920
−HK$3,319/mo
▼ 0.25% · 3.875%
HK$54,567
−HK$1,672/mo
Today · 4.125%
HK$56,239
baseline
▲ 0.50% · 4.625%
HK$59,661
+HK$3,422/mo
Deposit HK$7.74M · loan HK$11.60M · min. income ≈ HK$112,478/mo (50% DSR)
Upfront cash ≈ HK$8.46M (deposit + AVD stamp duty HK$725,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,873
−HK$3,181/mo
▼ 0.25% · 3.875%
HK$60,452
−HK$1,602/mo
Today · 4.125%
HK$62,054
baseline
▲ 0.50% · 4.625%
HK$65,325
+HK$3,271/mo
Deposit HK$7.74M · loan HK$11.60M · min. income ≈ HK$124,108/mo (50% DSR)
Upfront cash ≈ HK$8.46M (deposit + AVD stamp duty HK$725,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,741
−HK$3,871/mo
▼ 0.25% · 3.875%
HK$63,661
−HK$1,951/mo
Today · 4.125%
HK$65,612
baseline
▲ 0.50% · 4.625%
HK$69,605
+HK$3,993/mo
Deposit HK$5.80M · loan HK$13.54M · min. income ≈ HK$131,224/mo (50% DSR)
Upfront cash ≈ HK$6.53M (deposit + AVD stamp duty HK$725,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,686
−HK$3,711/mo
▼ 0.25% · 3.875%
HK$70,528
−HK$1,869/mo
Today · 4.125%
HK$72,397
baseline
▲ 0.50% · 4.625%
HK$76,213
+HK$3,816/mo
Deposit HK$5.80M · loan HK$13.54M · min. income ≈ HK$144,794/mo (50% DSR)
Upfront cash ≈ HK$6.53M (deposit + AVD stamp duty HK$725,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,381
−HK$4,978/mo
▼ 0.25% · 3.875%
HK$81,850
−HK$2,509/mo
Today · 4.125%
HK$84,359
baseline
▲ 0.50% · 4.625%
HK$89,492
+HK$5,133/mo
Deposit HK$1.93M · loan HK$17.41M · min. income ≈ HK$168,718/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$725,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,310
−HK$4,771/mo
▼ 0.25% · 3.875%
HK$90,679
−HK$2,402/mo
Today · 4.125%
HK$93,081
baseline
▲ 0.50% · 4.625%
HK$97,988
+HK$4,907/mo
Deposit HK$1.93M · loan HK$17.41M · min. income ≈ HK$186,162/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$725,254 · Scale 2, in force from 26 Feb 2026)