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$44,074
−HK$2,764/mo
▼ 0.25% · 3.875%
HK$45,445
−HK$1,393/mo
Today · 4.125%
HK$46,838
baseline
▲ 0.50% · 4.625%
HK$49,688
+HK$2,850/mo
Deposit HK$9.66M · loan HK$9.66M · min. income ≈ HK$93,676/mo (50% DSR)
Upfront cash ≈ HK$10.39M (deposit + AVD stamp duty HK$724,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,032
−HK$2,649/mo
▼ 0.25% · 3.875%
HK$50,347
−HK$1,334/mo
Today · 4.125%
HK$51,681
baseline
▲ 0.50% · 4.625%
HK$54,406
+HK$2,725/mo
Deposit HK$9.66M · loan HK$9.66M · min. income ≈ HK$103,362/mo (50% DSR)
Upfront cash ≈ HK$10.39M (deposit + AVD stamp duty HK$724,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,889
−HK$3,317/mo
▼ 0.25% · 3.875%
HK$54,534
−HK$1,672/mo
Today · 4.125%
HK$56,206
baseline
▲ 0.50% · 4.625%
HK$59,626
+HK$3,420/mo
Deposit HK$7.73M · loan HK$11.60M · min. income ≈ HK$112,412/mo (50% DSR)
Upfront cash ≈ HK$8.46M (deposit + AVD stamp duty HK$724,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,839
−HK$3,179/mo
▼ 0.25% · 3.875%
HK$60,417
−HK$1,601/mo
Today · 4.125%
HK$62,018
baseline
▲ 0.50% · 4.625%
HK$65,287
+HK$3,269/mo
Deposit HK$7.73M · loan HK$11.60M · min. income ≈ HK$124,036/mo (50% DSR)
Upfront cash ≈ HK$8.46M (deposit + AVD stamp duty HK$724,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,704
−HK$3,869/mo
▼ 0.25% · 3.875%
HK$63,623
−HK$1,950/mo
Today · 4.125%
HK$65,573
baseline
▲ 0.50% · 4.625%
HK$69,563
+HK$3,990/mo
Deposit HK$5.80M · loan HK$13.53M · min. income ≈ HK$131,146/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$724,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,645
−HK$3,709/mo
▼ 0.25% · 3.875%
HK$70,486
−HK$1,868/mo
Today · 4.125%
HK$72,354
baseline
▲ 0.50% · 4.625%
HK$76,168
+HK$3,814/mo
Deposit HK$5.80M · loan HK$13.53M · min. income ≈ HK$144,708/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$724,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,334
−HK$4,975/mo
▼ 0.25% · 3.875%
HK$81,802
−HK$2,507/mo
Today · 4.125%
HK$84,309
baseline
▲ 0.50% · 4.625%
HK$89,439
+HK$5,130/mo
Deposit HK$1.93M · loan HK$17.40M · min. income ≈ HK$168,618/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$724,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,258
−HK$4,768/mo
▼ 0.25% · 3.875%
HK$90,625
−HK$2,401/mo
Today · 4.125%
HK$93,026
baseline
▲ 0.50% · 4.625%
HK$97,930
+HK$4,904/mo
Deposit HK$1.93M · loan HK$17.40M · min. income ≈ HK$186,052/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$724,826 · Scale 2, in force from 26 Feb 2026)