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$44,323
−HK$2,779/mo
▼ 0.25% · 3.875%
HK$45,701
−HK$1,401/mo
Today · 4.125%
HK$47,102
baseline
▲ 0.50% · 4.625%
HK$49,968
+HK$2,866/mo
Deposit HK$9.72M · loan HK$9.72M · min. income ≈ HK$94,204/mo (50% DSR)
Upfront cash ≈ HK$10.45M (deposit + AVD stamp duty HK$728,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,308
−HK$2,664/mo
▼ 0.25% · 3.875%
HK$50,631
−HK$1,341/mo
Today · 4.125%
HK$51,972
baseline
▲ 0.50% · 4.625%
HK$54,712
+HK$2,740/mo
Deposit HK$9.72M · loan HK$9.72M · min. income ≈ HK$103,944/mo (50% DSR)
Upfront cash ≈ HK$10.45M (deposit + AVD stamp duty HK$728,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,187
−HK$3,335/mo
▼ 0.25% · 3.875%
HK$54,841
−HK$1,681/mo
Today · 4.125%
HK$56,522
baseline
▲ 0.50% · 4.625%
HK$59,962
+HK$3,440/mo
Deposit HK$7.78M · loan HK$11.66M · min. income ≈ HK$113,044/mo (50% DSR)
Upfront cash ≈ HK$8.50M (deposit + AVD stamp duty HK$728,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,170
−HK$3,197/mo
▼ 0.25% · 3.875%
HK$60,757
−HK$1,610/mo
Today · 4.125%
HK$62,367
baseline
▲ 0.50% · 4.625%
HK$65,654
+HK$3,287/mo
Deposit HK$7.78M · loan HK$11.66M · min. income ≈ HK$124,734/mo (50% DSR)
Upfront cash ≈ HK$8.50M (deposit + AVD stamp duty HK$728,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,052
−HK$3,891/mo
▼ 0.25% · 3.875%
HK$63,982
−HK$1,961/mo
Today · 4.125%
HK$65,943
baseline
▲ 0.50% · 4.625%
HK$69,955
+HK$4,012/mo
Deposit HK$5.83M · loan HK$13.61M · min. income ≈ HK$131,886/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$728,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,032
−HK$3,729/mo
▼ 0.25% · 3.875%
HK$70,883
−HK$1,878/mo
Today · 4.125%
HK$72,761
baseline
▲ 0.50% · 4.625%
HK$76,597
+HK$3,836/mo
Deposit HK$5.83M · loan HK$13.61M · min. income ≈ HK$145,522/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$728,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,781
−HK$5,002/mo
▼ 0.25% · 3.875%
HK$82,262
−HK$2,521/mo
Today · 4.125%
HK$84,783
baseline
▲ 0.50% · 4.625%
HK$89,942
+HK$5,159/mo
Deposit HK$1.94M · loan HK$17.49M · min. income ≈ HK$169,566/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$728,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,755
−HK$4,795/mo
▼ 0.25% · 3.875%
HK$91,135
−HK$2,415/mo
Today · 4.125%
HK$93,550
baseline
▲ 0.50% · 4.625%
HK$98,481
+HK$4,931/mo
Deposit HK$1.94M · loan HK$17.49M · min. income ≈ HK$187,100/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$728,907 · Scale 2, in force from 26 Feb 2026)