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$44,048
−HK$2,763/mo
▼ 0.25% · 3.875%
HK$45,419
−HK$1,392/mo
Today · 4.125%
HK$46,811
baseline
▲ 0.50% · 4.625%
HK$49,659
+HK$2,848/mo
Deposit HK$9.66M · loan HK$9.66M · min. income ≈ HK$93,622/mo (50% DSR)
Upfront cash ≈ HK$10.38M (deposit + AVD stamp duty HK$724,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,003
−HK$2,648/mo
▼ 0.25% · 3.875%
HK$50,318
−HK$1,333/mo
Today · 4.125%
HK$51,651
baseline
▲ 0.50% · 4.625%
HK$54,373
+HK$2,722/mo
Deposit HK$9.66M · loan HK$9.66M · min. income ≈ HK$103,302/mo (50% DSR)
Upfront cash ≈ HK$10.38M (deposit + AVD stamp duty HK$724,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,858
−HK$3,315/mo
▼ 0.25% · 3.875%
HK$54,502
−HK$1,671/mo
Today · 4.125%
HK$56,173
baseline
▲ 0.50% · 4.625%
HK$59,591
+HK$3,418/mo
Deposit HK$7.73M · loan HK$11.59M · min. income ≈ HK$112,346/mo (50% DSR)
Upfront cash ≈ HK$8.45M (deposit + AVD stamp duty HK$724,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,804
−HK$3,177/mo
▼ 0.25% · 3.875%
HK$60,381
−HK$1,600/mo
Today · 4.125%
HK$61,981
baseline
▲ 0.50% · 4.625%
HK$65,248
+HK$3,267/mo
Deposit HK$7.73M · loan HK$11.59M · min. income ≈ HK$123,962/mo (50% DSR)
Upfront cash ≈ HK$8.45M (deposit + AVD stamp duty HK$724,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,668
−HK$3,867/mo
▼ 0.25% · 3.875%
HK$63,586
−HK$1,949/mo
Today · 4.125%
HK$65,535
baseline
▲ 0.50% · 4.625%
HK$69,522
+HK$3,987/mo
Deposit HK$5.80M · loan HK$13.52M · min. income ≈ HK$131,070/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$724,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,605
−HK$3,706/mo
▼ 0.25% · 3.875%
HK$70,445
−HK$1,866/mo
Today · 4.125%
HK$72,311
baseline
▲ 0.50% · 4.625%
HK$76,123
+HK$3,812/mo
Deposit HK$5.80M · loan HK$13.52M · min. income ≈ HK$144,622/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$724,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,287
−HK$4,972/mo
▼ 0.25% · 3.875%
HK$81,753
−HK$2,506/mo
Today · 4.125%
HK$84,259
baseline
▲ 0.50% · 4.625%
HK$89,386
+HK$5,127/mo
Deposit HK$1.93M · loan HK$17.39M · min. income ≈ HK$168,518/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$724,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,206
−HK$4,766/mo
▼ 0.25% · 3.875%
HK$90,572
−HK$2,400/mo
Today · 4.125%
HK$92,972
baseline
▲ 0.50% · 4.625%
HK$97,872
+HK$4,900/mo
Deposit HK$1.93M · loan HK$17.39M · min. income ≈ HK$185,944/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$724,399 · Scale 2, in force from 26 Feb 2026)