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$44,113
−HK$2,767/mo
▼ 0.25% · 3.875%
HK$45,485
−HK$1,395/mo
Today · 4.125%
HK$46,880
baseline
▲ 0.50% · 4.625%
HK$49,732
+HK$2,852/mo
Deposit HK$9.67M · loan HK$9.67M · min. income ≈ HK$93,760/mo (50% DSR)
Upfront cash ≈ HK$10.40M (deposit + AVD stamp duty HK$725,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,076
−HK$2,651/mo
▼ 0.25% · 3.875%
HK$50,392
−HK$1,335/mo
Today · 4.125%
HK$51,727
baseline
▲ 0.50% · 4.625%
HK$54,454
+HK$2,727/mo
Deposit HK$9.67M · loan HK$9.67M · min. income ≈ HK$103,454/mo (50% DSR)
Upfront cash ≈ HK$10.40M (deposit + AVD stamp duty HK$725,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,936
−HK$3,320/mo
▼ 0.25% · 3.875%
HK$54,583
−HK$1,673/mo
Today · 4.125%
HK$56,256
baseline
▲ 0.50% · 4.625%
HK$59,679
+HK$3,423/mo
Deposit HK$7.74M · loan HK$11.61M · min. income ≈ HK$112,512/mo (50% DSR)
Upfront cash ≈ HK$8.46M (deposit + AVD stamp duty HK$725,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,891
−HK$3,181/mo
▼ 0.25% · 3.875%
HK$60,470
−HK$1,602/mo
Today · 4.125%
HK$62,072
baseline
▲ 0.50% · 4.625%
HK$65,344
+HK$3,272/mo
Deposit HK$7.74M · loan HK$11.61M · min. income ≈ HK$124,144/mo (50% DSR)
Upfront cash ≈ HK$8.46M (deposit + AVD stamp duty HK$725,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,759
−HK$3,872/mo
▼ 0.25% · 3.875%
HK$63,680
−HK$1,951/mo
Today · 4.125%
HK$65,631
baseline
▲ 0.50% · 4.625%
HK$69,625
+HK$3,994/mo
Deposit HK$5.80M · loan HK$13.54M · min. income ≈ HK$131,262/mo (50% DSR)
Upfront cash ≈ HK$6.53M (deposit + AVD stamp duty HK$725,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,706
−HK$3,712/mo
▼ 0.25% · 3.875%
HK$70,548
−HK$1,870/mo
Today · 4.125%
HK$72,418
baseline
▲ 0.50% · 4.625%
HK$76,235
+HK$3,817/mo
Deposit HK$5.80M · loan HK$13.54M · min. income ≈ HK$144,836/mo (50% DSR)
Upfront cash ≈ HK$6.53M (deposit + AVD stamp duty HK$725,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,404
−HK$4,979/mo
▼ 0.25% · 3.875%
HK$81,874
−HK$2,509/mo
Today · 4.125%
HK$84,383
baseline
▲ 0.50% · 4.625%
HK$89,518
+HK$5,135/mo
Deposit HK$1.93M · loan HK$17.41M · min. income ≈ HK$168,766/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$725,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,336
−HK$4,773/mo
▼ 0.25% · 3.875%
HK$90,705
−HK$2,404/mo
Today · 4.125%
HK$93,109
baseline
▲ 0.50% · 4.625%
HK$98,016
+HK$4,907/mo
Deposit HK$1.93M · loan HK$17.41M · min. income ≈ HK$186,218/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$725,466 · Scale 2, in force from 26 Feb 2026)