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$44,366
−HK$2,782/mo
▼ 0.25% · 3.875%
HK$45,746
−HK$1,402/mo
Today · 4.125%
HK$47,148
baseline
▲ 0.50% · 4.625%
HK$50,017
+HK$2,869/mo
Deposit HK$9.73M · loan HK$9.73M · min. income ≈ HK$94,296/mo (50% DSR)
Upfront cash ≈ HK$10.46M (deposit + AVD stamp duty HK$729,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,356
−HK$2,667/mo
▼ 0.25% · 3.875%
HK$50,680
−HK$1,343/mo
Today · 4.125%
HK$52,023
baseline
▲ 0.50% · 4.625%
HK$54,765
+HK$2,742/mo
Deposit HK$9.73M · loan HK$9.73M · min. income ≈ HK$104,046/mo (50% DSR)
Upfront cash ≈ HK$10.46M (deposit + AVD stamp duty HK$729,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,239
−HK$3,338/mo
▼ 0.25% · 3.875%
HK$54,895
−HK$1,682/mo
Today · 4.125%
HK$56,577
baseline
▲ 0.50% · 4.625%
HK$60,020
+HK$3,443/mo
Deposit HK$7.78M · loan HK$11.67M · min. income ≈ HK$113,154/mo (50% DSR)
Upfront cash ≈ HK$8.51M (deposit + AVD stamp duty HK$729,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,228
−HK$3,200/mo
▼ 0.25% · 3.875%
HK$60,816
−HK$1,612/mo
Today · 4.125%
HK$62,428
baseline
▲ 0.50% · 4.625%
HK$65,718
+HK$3,290/mo
Deposit HK$7.78M · loan HK$11.67M · min. income ≈ HK$124,856/mo (50% DSR)
Upfront cash ≈ HK$8.51M (deposit + AVD stamp duty HK$729,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,112
−HK$3,895/mo
▼ 0.25% · 3.875%
HK$64,044
−HK$1,963/mo
Today · 4.125%
HK$66,007
baseline
▲ 0.50% · 4.625%
HK$70,023
+HK$4,016/mo
Deposit HK$5.84M · loan HK$13.62M · min. income ≈ HK$132,014/mo (50% DSR)
Upfront cash ≈ HK$6.57M (deposit + AVD stamp duty HK$729,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,099
−HK$3,733/mo
▼ 0.25% · 3.875%
HK$70,952
−HK$1,880/mo
Today · 4.125%
HK$72,832
baseline
▲ 0.50% · 4.625%
HK$76,671
+HK$3,839/mo
Deposit HK$5.84M · loan HK$13.62M · min. income ≈ HK$145,664/mo (50% DSR)
Upfront cash ≈ HK$6.57M (deposit + AVD stamp duty HK$729,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,858
−HK$5,008/mo
▼ 0.25% · 3.875%
HK$82,342
−HK$2,524/mo
Today · 4.125%
HK$84,866
baseline
▲ 0.50% · 4.625%
HK$90,030
+HK$5,164/mo
Deposit HK$1.95M · loan HK$17.51M · min. income ≈ HK$169,732/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$729,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,842
−HK$4,799/mo
▼ 0.25% · 3.875%
HK$91,224
−HK$2,417/mo
Today · 4.125%
HK$93,641
baseline
▲ 0.50% · 4.625%
HK$98,577
+HK$4,936/mo
Deposit HK$1.95M · loan HK$17.51M · min. income ≈ HK$187,282/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$729,618 · Scale 2, in force from 26 Feb 2026)