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$44,077
−HK$2,764/mo
▼ 0.25% · 3.875%
HK$45,448
−HK$1,393/mo
Today · 4.125%
HK$46,841
baseline
▲ 0.50% · 4.625%
HK$49,691
+HK$2,850/mo
Deposit HK$9.66M · loan HK$9.66M · min. income ≈ HK$93,682/mo (50% DSR)
Upfront cash ≈ HK$10.39M (deposit + AVD stamp duty HK$724,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,035
−HK$2,649/mo
▼ 0.25% · 3.875%
HK$50,350
−HK$1,334/mo
Today · 4.125%
HK$51,684
baseline
▲ 0.50% · 4.625%
HK$54,408
+HK$2,724/mo
Deposit HK$9.66M · loan HK$9.66M · min. income ≈ HK$103,368/mo (50% DSR)
Upfront cash ≈ HK$10.39M (deposit + AVD stamp duty HK$724,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,892
−HK$3,317/mo
▼ 0.25% · 3.875%
HK$54,537
−HK$1,672/mo
Today · 4.125%
HK$56,209
baseline
▲ 0.50% · 4.625%
HK$59,629
+HK$3,420/mo
Deposit HK$7.73M · loan HK$11.60M · min. income ≈ HK$112,418/mo (50% DSR)
Upfront cash ≈ HK$8.46M (deposit + AVD stamp duty HK$724,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,842
−HK$3,179/mo
▼ 0.25% · 3.875%
HK$60,420
−HK$1,601/mo
Today · 4.125%
HK$62,021
baseline
▲ 0.50% · 4.625%
HK$65,290
+HK$3,269/mo
Deposit HK$7.73M · loan HK$11.60M · min. income ≈ HK$124,042/mo (50% DSR)
Upfront cash ≈ HK$8.46M (deposit + AVD stamp duty HK$724,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,707
−HK$3,870/mo
▼ 0.25% · 3.875%
HK$63,627
−HK$1,950/mo
Today · 4.125%
HK$65,577
baseline
▲ 0.50% · 4.625%
HK$69,567
+HK$3,990/mo
Deposit HK$5.80M · loan HK$13.53M · min. income ≈ HK$131,154/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$724,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,649
−HK$3,709/mo
▼ 0.25% · 3.875%
HK$70,490
−HK$1,868/mo
Today · 4.125%
HK$72,358
baseline
▲ 0.50% · 4.625%
HK$76,172
+HK$3,814/mo
Deposit HK$5.80M · loan HK$13.53M · min. income ≈ HK$144,716/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$724,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,338
−HK$4,975/mo
▼ 0.25% · 3.875%
HK$81,806
−HK$2,507/mo
Today · 4.125%
HK$84,313
baseline
▲ 0.50% · 4.625%
HK$89,443
+HK$5,130/mo
Deposit HK$1.93M · loan HK$17.40M · min. income ≈ HK$168,626/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$724,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,263
−HK$4,768/mo
▼ 0.25% · 3.875%
HK$90,630
−HK$2,401/mo
Today · 4.125%
HK$93,031
baseline
▲ 0.50% · 4.625%
HK$97,935
+HK$4,904/mo
Deposit HK$1.93M · loan HK$17.40M · min. income ≈ HK$186,062/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$724,863 · Scale 2, in force from 26 Feb 2026)