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$44,289
−HK$2,778/mo
▼ 0.25% · 3.875%
HK$45,667
−HK$1,400/mo
Today · 4.125%
HK$47,067
baseline
▲ 0.50% · 4.625%
HK$49,931
+HK$2,864/mo
Deposit HK$9.71M · loan HK$9.71M · min. income ≈ HK$94,134/mo (50% DSR)
Upfront cash ≈ HK$10.44M (deposit + AVD stamp duty HK$728,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,271
−HK$2,662/mo
▼ 0.25% · 3.875%
HK$50,593
−HK$1,340/mo
Today · 4.125%
HK$51,933
baseline
▲ 0.50% · 4.625%
HK$54,671
+HK$2,738/mo
Deposit HK$9.71M · loan HK$9.71M · min. income ≈ HK$103,866/mo (50% DSR)
Upfront cash ≈ HK$10.44M (deposit + AVD stamp duty HK$728,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,147
−HK$3,333/mo
▼ 0.25% · 3.875%
HK$54,800
−HK$1,680/mo
Today · 4.125%
HK$56,480
baseline
▲ 0.50% · 4.625%
HK$59,917
+HK$3,437/mo
Deposit HK$7.77M · loan HK$11.65M · min. income ≈ HK$112,960/mo (50% DSR)
Upfront cash ≈ HK$8.50M (deposit + AVD stamp duty HK$728,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,126
−HK$3,194/mo
▼ 0.25% · 3.875%
HK$60,711
−HK$1,609/mo
Today · 4.125%
HK$62,320
baseline
▲ 0.50% · 4.625%
HK$65,605
+HK$3,285/mo
Deposit HK$7.77M · loan HK$11.65M · min. income ≈ HK$124,640/mo (50% DSR)
Upfront cash ≈ HK$8.50M (deposit + AVD stamp duty HK$728,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,005
−HK$3,888/mo
▼ 0.25% · 3.875%
HK$63,934
−HK$1,959/mo
Today · 4.125%
HK$65,893
baseline
▲ 0.50% · 4.625%
HK$69,903
+HK$4,010/mo
Deposit HK$5.83M · loan HK$13.60M · min. income ≈ HK$131,786/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$728,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,980
−HK$3,727/mo
▼ 0.25% · 3.875%
HK$70,830
−HK$1,877/mo
Today · 4.125%
HK$72,707
baseline
▲ 0.50% · 4.625%
HK$76,539
+HK$3,832/mo
Deposit HK$5.83M · loan HK$13.60M · min. income ≈ HK$145,414/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$728,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,721
−HK$4,999/mo
▼ 0.25% · 3.875%
HK$82,201
−HK$2,519/mo
Today · 4.125%
HK$84,720
baseline
▲ 0.50% · 4.625%
HK$89,875
+HK$5,155/mo
Deposit HK$1.94M · loan HK$17.48M · min. income ≈ HK$169,440/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$728,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,689
−HK$4,791/mo
▼ 0.25% · 3.875%
HK$91,067
−HK$2,413/mo
Today · 4.125%
HK$93,480
baseline
▲ 0.50% · 4.625%
HK$98,408
+HK$4,928/mo
Deposit HK$1.94M · loan HK$17.48M · min. income ≈ HK$186,960/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$728,362 · Scale 2, in force from 26 Feb 2026)