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$43,964
−HK$2,757/mo
▼ 0.25% · 3.875%
HK$45,332
−HK$1,389/mo
Today · 4.125%
HK$46,721
baseline
▲ 0.50% · 4.625%
HK$49,564
+HK$2,843/mo
Deposit HK$9.64M · loan HK$9.64M · min. income ≈ HK$93,442/mo (50% DSR)
Upfront cash ≈ HK$10.36M (deposit + AVD stamp duty HK$723,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,910
−HK$2,642/mo
▼ 0.25% · 3.875%
HK$50,222
−HK$1,330/mo
Today · 4.125%
HK$51,552
baseline
▲ 0.50% · 4.625%
HK$54,270
+HK$2,718/mo
Deposit HK$9.64M · loan HK$9.64M · min. income ≈ HK$103,104/mo (50% DSR)
Upfront cash ≈ HK$10.36M (deposit + AVD stamp duty HK$723,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,757
−HK$3,309/mo
▼ 0.25% · 3.875%
HK$54,398
−HK$1,668/mo
Today · 4.125%
HK$56,066
baseline
▲ 0.50% · 4.625%
HK$59,477
+HK$3,411/mo
Deposit HK$7.71M · loan HK$11.57M · min. income ≈ HK$112,132/mo (50% DSR)
Upfront cash ≈ HK$8.44M (deposit + AVD stamp duty HK$723,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,692
−HK$3,171/mo
▼ 0.25% · 3.875%
HK$60,266
−HK$1,597/mo
Today · 4.125%
HK$61,863
baseline
▲ 0.50% · 4.625%
HK$65,124
+HK$3,261/mo
Deposit HK$7.71M · loan HK$11.57M · min. income ≈ HK$123,726/mo (50% DSR)
Upfront cash ≈ HK$8.44M (deposit + AVD stamp duty HK$723,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,550
−HK$3,860/mo
▼ 0.25% · 3.875%
HK$63,465
−HK$1,945/mo
Today · 4.125%
HK$65,410
baseline
▲ 0.50% · 4.625%
HK$69,390
+HK$3,980/mo
Deposit HK$5.78M · loan HK$13.50M · min. income ≈ HK$130,820/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$723,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,474
−HK$3,699/mo
▼ 0.25% · 3.875%
HK$70,310
−HK$1,863/mo
Today · 4.125%
HK$72,173
baseline
▲ 0.50% · 4.625%
HK$75,978
+HK$3,805/mo
Deposit HK$5.78M · loan HK$13.50M · min. income ≈ HK$144,346/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$723,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,136
−HK$4,963/mo
▼ 0.25% · 3.875%
HK$81,598
−HK$2,501/mo
Today · 4.125%
HK$84,099
baseline
▲ 0.50% · 4.625%
HK$89,216
+HK$5,117/mo
Deposit HK$1.93M · loan HK$17.35M · min. income ≈ HK$168,198/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$723,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,038
−HK$4,756/mo
▼ 0.25% · 3.875%
HK$90,399
−HK$2,395/mo
Today · 4.125%
HK$92,794
baseline
▲ 0.50% · 4.625%
HK$97,686
+HK$4,892/mo
Deposit HK$1.93M · loan HK$17.35M · min. income ≈ HK$185,588/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$723,019 · Scale 2, in force from 26 Feb 2026)