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$44,374
−HK$2,782/mo
▼ 0.25% · 3.875%
HK$45,754
−HK$1,402/mo
Today · 4.125%
HK$47,156
baseline
▲ 0.50% · 4.625%
HK$50,026
+HK$2,870/mo
Deposit HK$9.73M · loan HK$9.73M · min. income ≈ HK$94,312/mo (50% DSR)
Upfront cash ≈ HK$10.46M (deposit + AVD stamp duty HK$729,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,365
−HK$2,667/mo
▼ 0.25% · 3.875%
HK$50,689
−HK$1,343/mo
Today · 4.125%
HK$52,032
baseline
▲ 0.50% · 4.625%
HK$54,775
+HK$2,743/mo
Deposit HK$9.73M · loan HK$9.73M · min. income ≈ HK$104,064/mo (50% DSR)
Upfront cash ≈ HK$10.46M (deposit + AVD stamp duty HK$729,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,248
−HK$3,339/mo
▼ 0.25% · 3.875%
HK$54,905
−HK$1,682/mo
Today · 4.125%
HK$56,587
baseline
▲ 0.50% · 4.625%
HK$60,031
+HK$3,444/mo
Deposit HK$7.78M · loan HK$11.68M · min. income ≈ HK$113,174/mo (50% DSR)
Upfront cash ≈ HK$8.51M (deposit + AVD stamp duty HK$729,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,238
−HK$3,201/mo
▼ 0.25% · 3.875%
HK$60,827
−HK$1,612/mo
Today · 4.125%
HK$62,439
baseline
▲ 0.50% · 4.625%
HK$65,730
+HK$3,291/mo
Deposit HK$7.78M · loan HK$11.68M · min. income ≈ HK$124,878/mo (50% DSR)
Upfront cash ≈ HK$8.51M (deposit + AVD stamp duty HK$729,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,123
−HK$3,896/mo
▼ 0.25% · 3.875%
HK$64,055
−HK$1,964/mo
Today · 4.125%
HK$66,019
baseline
▲ 0.50% · 4.625%
HK$70,036
+HK$4,017/mo
Deposit HK$5.84M · loan HK$13.62M · min. income ≈ HK$132,038/mo (50% DSR)
Upfront cash ≈ HK$6.57M (deposit + AVD stamp duty HK$729,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,111
−HK$3,734/mo
▼ 0.25% · 3.875%
HK$70,965
−HK$1,880/mo
Today · 4.125%
HK$72,845
baseline
▲ 0.50% · 4.625%
HK$76,685
+HK$3,840/mo
Deposit HK$5.84M · loan HK$13.62M · min. income ≈ HK$145,690/mo (50% DSR)
Upfront cash ≈ HK$6.57M (deposit + AVD stamp duty HK$729,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,872
−HK$5,009/mo
▼ 0.25% · 3.875%
HK$82,357
−HK$2,524/mo
Today · 4.125%
HK$84,881
baseline
▲ 0.50% · 4.625%
HK$90,046
+HK$5,165/mo
Deposit HK$1.95M · loan HK$17.51M · min. income ≈ HK$169,762/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$729,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,857
−HK$4,801/mo
▼ 0.25% · 3.875%
HK$91,240
−HK$2,418/mo
Today · 4.125%
HK$93,658
baseline
▲ 0.50% · 4.625%
HK$98,595
+HK$4,937/mo
Deposit HK$1.95M · loan HK$17.51M · min. income ≈ HK$187,316/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$729,747 · Scale 2, in force from 26 Feb 2026)