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$44,277
−HK$2,777/mo
▼ 0.25% · 3.875%
HK$45,654
−HK$1,400/mo
Today · 4.125%
HK$47,054
baseline
▲ 0.50% · 4.625%
HK$49,917
+HK$2,863/mo
Deposit HK$9.71M · loan HK$9.71M · min. income ≈ HK$94,108/mo (50% DSR)
Upfront cash ≈ HK$10.44M (deposit + AVD stamp duty HK$728,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,258
−HK$2,661/mo
▼ 0.25% · 3.875%
HK$50,579
−HK$1,340/mo
Today · 4.125%
HK$51,919
baseline
▲ 0.50% · 4.625%
HK$54,656
+HK$2,737/mo
Deposit HK$9.71M · loan HK$9.71M · min. income ≈ HK$103,838/mo (50% DSR)
Upfront cash ≈ HK$10.44M (deposit + AVD stamp duty HK$728,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,132
−HK$3,332/mo
▼ 0.25% · 3.875%
HK$54,785
−HK$1,679/mo
Today · 4.125%
HK$56,464
baseline
▲ 0.50% · 4.625%
HK$59,900
+HK$3,436/mo
Deposit HK$7.77M · loan HK$11.65M · min. income ≈ HK$112,928/mo (50% DSR)
Upfront cash ≈ HK$8.50M (deposit + AVD stamp duty HK$728,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,109
−HK$3,194/mo
▼ 0.25% · 3.875%
HK$60,695
−HK$1,608/mo
Today · 4.125%
HK$62,303
baseline
▲ 0.50% · 4.625%
HK$65,587
+HK$3,284/mo
Deposit HK$7.77M · loan HK$11.65M · min. income ≈ HK$124,606/mo (50% DSR)
Upfront cash ≈ HK$8.50M (deposit + AVD stamp duty HK$728,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,988
−HK$3,887/mo
▼ 0.25% · 3.875%
HK$63,916
−HK$1,959/mo
Today · 4.125%
HK$65,875
baseline
▲ 0.50% · 4.625%
HK$69,883
+HK$4,008/mo
Deposit HK$5.83M · loan HK$13.59M · min. income ≈ HK$131,750/mo (50% DSR)
Upfront cash ≈ HK$6.55M (deposit + AVD stamp duty HK$728,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,961
−HK$3,726/mo
▼ 0.25% · 3.875%
HK$70,810
−HK$1,877/mo
Today · 4.125%
HK$72,687
baseline
▲ 0.50% · 4.625%
HK$76,518
+HK$3,831/mo
Deposit HK$5.83M · loan HK$13.59M · min. income ≈ HK$145,374/mo (50% DSR)
Upfront cash ≈ HK$6.55M (deposit + AVD stamp duty HK$728,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,699
−HK$4,998/mo
▼ 0.25% · 3.875%
HK$82,178
−HK$2,519/mo
Today · 4.125%
HK$84,697
baseline
▲ 0.50% · 4.625%
HK$89,850
+HK$5,153/mo
Deposit HK$1.94M · loan HK$17.48M · min. income ≈ HK$169,394/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$728,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,664
−HK$4,790/mo
▼ 0.25% · 3.875%
HK$91,042
−HK$2,412/mo
Today · 4.125%
HK$93,454
baseline
▲ 0.50% · 4.625%
HK$98,380
+HK$4,926/mo
Deposit HK$1.94M · loan HK$17.48M · min. income ≈ HK$186,908/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$728,160 · Scale 2, in force from 26 Feb 2026)