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$44,312
−HK$2,779/mo
▼ 0.25% · 3.875%
HK$45,691
−HK$1,400/mo
Today · 4.125%
HK$47,091
baseline
▲ 0.50% · 4.625%
HK$49,956
+HK$2,865/mo
Deposit HK$9.72M · loan HK$9.72M · min. income ≈ HK$94,182/mo (50% DSR)
Upfront cash ≈ HK$10.45M (deposit + AVD stamp duty HK$728,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,297
−HK$2,663/mo
▼ 0.25% · 3.875%
HK$50,619
−HK$1,341/mo
Today · 4.125%
HK$51,960
baseline
▲ 0.50% · 4.625%
HK$54,699
+HK$2,739/mo
Deposit HK$9.72M · loan HK$9.72M · min. income ≈ HK$103,920/mo (50% DSR)
Upfront cash ≈ HK$10.45M (deposit + AVD stamp duty HK$728,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,175
−HK$3,334/mo
▼ 0.25% · 3.875%
HK$54,829
−HK$1,680/mo
Today · 4.125%
HK$56,509
baseline
▲ 0.50% · 4.625%
HK$59,948
+HK$3,439/mo
Deposit HK$7.77M · loan HK$11.66M · min. income ≈ HK$113,018/mo (50% DSR)
Upfront cash ≈ HK$8.50M (deposit + AVD stamp duty HK$728,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,156
−HK$3,196/mo
▼ 0.25% · 3.875%
HK$60,743
−HK$1,609/mo
Today · 4.125%
HK$62,352
baseline
▲ 0.50% · 4.625%
HK$65,639
+HK$3,287/mo
Deposit HK$7.77M · loan HK$11.66M · min. income ≈ HK$124,704/mo (50% DSR)
Upfront cash ≈ HK$8.50M (deposit + AVD stamp duty HK$728,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,037
−HK$3,890/mo
▼ 0.25% · 3.875%
HK$63,967
−HK$1,960/mo
Today · 4.125%
HK$65,927
baseline
▲ 0.50% · 4.625%
HK$69,939
+HK$4,012/mo
Deposit HK$5.83M · loan HK$13.60M · min. income ≈ HK$131,854/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$728,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,016
−HK$3,728/mo
▼ 0.25% · 3.875%
HK$70,867
−HK$1,877/mo
Today · 4.125%
HK$72,744
baseline
▲ 0.50% · 4.625%
HK$76,579
+HK$3,835/mo
Deposit HK$5.83M · loan HK$13.60M · min. income ≈ HK$145,488/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$728,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,762
−HK$5,002/mo
▼ 0.25% · 3.875%
HK$82,243
−HK$2,521/mo
Today · 4.125%
HK$84,764
baseline
▲ 0.50% · 4.625%
HK$89,921
+HK$5,157/mo
Deposit HK$1.94M · loan HK$17.49M · min. income ≈ HK$169,528/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$728,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,734
−HK$4,794/mo
▼ 0.25% · 3.875%
HK$91,114
−HK$2,414/mo
Today · 4.125%
HK$93,528
baseline
▲ 0.50% · 4.625%
HK$98,458
+HK$4,930/mo
Deposit HK$1.94M · loan HK$17.49M · min. income ≈ HK$187,056/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$728,737 · Scale 2, in force from 26 Feb 2026)