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$44,309
−HK$2,779/mo
▼ 0.25% · 3.875%
HK$45,688
−HK$1,400/mo
Today · 4.125%
HK$47,088
baseline
▲ 0.50% · 4.625%
HK$49,953
+HK$2,865/mo
Deposit HK$9.72M · loan HK$9.72M · min. income ≈ HK$94,176/mo (50% DSR)
Upfront cash ≈ HK$10.44M (deposit + AVD stamp duty HK$728,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,294
−HK$2,663/mo
▼ 0.25% · 3.875%
HK$50,616
−HK$1,341/mo
Today · 4.125%
HK$51,957
baseline
▲ 0.50% · 4.625%
HK$54,696
+HK$2,739/mo
Deposit HK$9.72M · loan HK$9.72M · min. income ≈ HK$103,914/mo (50% DSR)
Upfront cash ≈ HK$10.44M (deposit + AVD stamp duty HK$728,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,171
−HK$3,335/mo
▼ 0.25% · 3.875%
HK$54,825
−HK$1,681/mo
Today · 4.125%
HK$56,506
baseline
▲ 0.50% · 4.625%
HK$59,944
+HK$3,438/mo
Deposit HK$7.77M · loan HK$11.66M · min. income ≈ HK$113,012/mo (50% DSR)
Upfront cash ≈ HK$8.50M (deposit + AVD stamp duty HK$728,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,153
−HK$3,195/mo
▼ 0.25% · 3.875%
HK$60,739
−HK$1,609/mo
Today · 4.125%
HK$62,348
baseline
▲ 0.50% · 4.625%
HK$65,635
+HK$3,287/mo
Deposit HK$7.77M · loan HK$11.66M · min. income ≈ HK$124,696/mo (50% DSR)
Upfront cash ≈ HK$8.50M (deposit + AVD stamp duty HK$728,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,033
−HK$3,890/mo
▼ 0.25% · 3.875%
HK$63,963
−HK$1,960/mo
Today · 4.125%
HK$65,923
baseline
▲ 0.50% · 4.625%
HK$69,934
+HK$4,011/mo
Deposit HK$5.83M · loan HK$13.60M · min. income ≈ HK$131,846/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$728,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,011
−HK$3,729/mo
▼ 0.25% · 3.875%
HK$70,862
−HK$1,878/mo
Today · 4.125%
HK$72,740
baseline
▲ 0.50% · 4.625%
HK$76,574
+HK$3,834/mo
Deposit HK$5.83M · loan HK$13.60M · min. income ≈ HK$145,480/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$728,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,757
−HK$5,001/mo
▼ 0.25% · 3.875%
HK$82,238
−HK$2,520/mo
Today · 4.125%
HK$84,758
baseline
▲ 0.50% · 4.625%
HK$89,916
+HK$5,158/mo
Deposit HK$1.94M · loan HK$17.49M · min. income ≈ HK$169,516/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$728,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,729
−HK$4,794/mo
▼ 0.25% · 3.875%
HK$91,108
−HK$2,415/mo
Today · 4.125%
HK$93,523
baseline
▲ 0.50% · 4.625%
HK$98,452
+HK$4,929/mo
Deposit HK$1.94M · loan HK$17.49M · min. income ≈ HK$187,046/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$728,692 · Scale 2, in force from 26 Feb 2026)