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$44,343
−HK$2,781/mo
▼ 0.25% · 3.875%
HK$45,722
−HK$1,402/mo
Today · 4.125%
HK$47,124
baseline
▲ 0.50% · 4.625%
HK$49,991
+HK$2,867/mo
Deposit HK$9.72M · loan HK$9.72M · min. income ≈ HK$94,248/mo (50% DSR)
Upfront cash ≈ HK$10.45M (deposit + AVD stamp duty HK$729,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,331
−HK$2,665/mo
▼ 0.25% · 3.875%
HK$50,654
−HK$1,342/mo
Today · 4.125%
HK$51,996
baseline
▲ 0.50% · 4.625%
HK$54,737
+HK$2,741/mo
Deposit HK$9.72M · loan HK$9.72M · min. income ≈ HK$103,992/mo (50% DSR)
Upfront cash ≈ HK$10.45M (deposit + AVD stamp duty HK$729,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,212
−HK$3,336/mo
▼ 0.25% · 3.875%
HK$54,867
−HK$1,681/mo
Today · 4.125%
HK$56,548
baseline
▲ 0.50% · 4.625%
HK$59,989
+HK$3,441/mo
Deposit HK$7.78M · loan HK$11.67M · min. income ≈ HK$113,096/mo (50% DSR)
Upfront cash ≈ HK$8.51M (deposit + AVD stamp duty HK$729,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,197
−HK$3,199/mo
▼ 0.25% · 3.875%
HK$60,785
−HK$1,611/mo
Today · 4.125%
HK$62,396
baseline
▲ 0.50% · 4.625%
HK$65,685
+HK$3,289/mo
Deposit HK$7.78M · loan HK$11.67M · min. income ≈ HK$124,792/mo (50% DSR)
Upfront cash ≈ HK$8.51M (deposit + AVD stamp duty HK$729,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,080
−HK$3,893/mo
▼ 0.25% · 3.875%
HK$64,011
−HK$1,962/mo
Today · 4.125%
HK$65,973
baseline
▲ 0.50% · 4.625%
HK$69,988
+HK$4,015/mo
Deposit HK$5.83M · loan HK$13.61M · min. income ≈ HK$131,946/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$729,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,064
−HK$3,731/mo
▼ 0.25% · 3.875%
HK$70,916
−HK$1,879/mo
Today · 4.125%
HK$72,795
baseline
▲ 0.50% · 4.625%
HK$76,632
+HK$3,837/mo
Deposit HK$5.83M · loan HK$13.61M · min. income ≈ HK$145,590/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$729,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,817
−HK$5,006/mo
▼ 0.25% · 3.875%
HK$82,300
−HK$2,523/mo
Today · 4.125%
HK$84,823
baseline
▲ 0.50% · 4.625%
HK$89,984
+HK$5,161/mo
Deposit HK$1.94M · loan HK$17.50M · min. income ≈ HK$169,646/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$729,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,796
−HK$4,797/mo
▼ 0.25% · 3.875%
HK$91,178
−HK$2,415/mo
Today · 4.125%
HK$93,593
baseline
▲ 0.50% · 4.625%
HK$98,527
+HK$4,934/mo
Deposit HK$1.94M · loan HK$17.50M · min. income ≈ HK$187,186/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$729,244 · Scale 2, in force from 26 Feb 2026)