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$44,344
−HK$2,781/mo
▼ 0.25% · 3.875%
HK$45,724
−HK$1,401/mo
Today · 4.125%
HK$47,125
baseline
▲ 0.50% · 4.625%
HK$49,993
+HK$2,868/mo
Deposit HK$9.72M · loan HK$9.72M · min. income ≈ HK$94,250/mo (50% DSR)
Upfront cash ≈ HK$10.45M (deposit + AVD stamp duty HK$729,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,333
−HK$2,665/mo
▼ 0.25% · 3.875%
HK$50,656
−HK$1,342/mo
Today · 4.125%
HK$51,998
baseline
▲ 0.50% · 4.625%
HK$54,739
+HK$2,741/mo
Deposit HK$9.72M · loan HK$9.72M · min. income ≈ HK$103,996/mo (50% DSR)
Upfront cash ≈ HK$10.45M (deposit + AVD stamp duty HK$729,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,213
−HK$3,337/mo
▼ 0.25% · 3.875%
HK$54,868
−HK$1,682/mo
Today · 4.125%
HK$56,550
baseline
▲ 0.50% · 4.625%
HK$59,991
+HK$3,441/mo
Deposit HK$7.78M · loan HK$11.67M · min. income ≈ HK$113,100/mo (50% DSR)
Upfront cash ≈ HK$8.51M (deposit + AVD stamp duty HK$729,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,199
−HK$3,198/mo
▼ 0.25% · 3.875%
HK$60,787
−HK$1,610/mo
Today · 4.125%
HK$62,397
baseline
▲ 0.50% · 4.625%
HK$65,687
+HK$3,290/mo
Deposit HK$7.78M · loan HK$11.67M · min. income ≈ HK$124,794/mo (50% DSR)
Upfront cash ≈ HK$8.51M (deposit + AVD stamp duty HK$729,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,082
−HK$3,893/mo
▼ 0.25% · 3.875%
HK$64,013
−HK$1,962/mo
Today · 4.125%
HK$65,975
baseline
▲ 0.50% · 4.625%
HK$69,990
+HK$4,015/mo
Deposit HK$5.83M · loan HK$13.61M · min. income ≈ HK$131,950/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$729,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,066
−HK$3,731/mo
▼ 0.25% · 3.875%
HK$70,918
−HK$1,879/mo
Today · 4.125%
HK$72,797
baseline
▲ 0.50% · 4.625%
HK$76,634
+HK$3,837/mo
Deposit HK$5.83M · loan HK$13.61M · min. income ≈ HK$145,594/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$729,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,820
−HK$5,005/mo
▼ 0.25% · 3.875%
HK$82,303
−HK$2,522/mo
Today · 4.125%
HK$84,825
baseline
▲ 0.50% · 4.625%
HK$89,987
+HK$5,162/mo
Deposit HK$1.94M · loan HK$17.50M · min. income ≈ HK$169,650/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$729,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,799
−HK$4,797/mo
▼ 0.25% · 3.875%
HK$91,180
−HK$2,416/mo
Today · 4.125%
HK$93,596
baseline
▲ 0.50% · 4.625%
HK$98,530
+HK$4,934/mo
Deposit HK$1.94M · loan HK$17.50M · min. income ≈ HK$187,192/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$729,266 · Scale 2, in force from 26 Feb 2026)