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$44,059
−HK$2,763/mo
▼ 0.25% · 3.875%
HK$45,430
−HK$1,392/mo
Today · 4.125%
HK$46,822
baseline
▲ 0.50% · 4.625%
HK$49,671
+HK$2,849/mo
Deposit HK$9.66M · loan HK$9.66M · min. income ≈ HK$93,644/mo (50% DSR)
Upfront cash ≈ HK$10.39M (deposit + AVD stamp duty HK$724,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,015
−HK$2,649/mo
▼ 0.25% · 3.875%
HK$50,330
−HK$1,334/mo
Today · 4.125%
HK$51,664
baseline
▲ 0.50% · 4.625%
HK$54,387
+HK$2,723/mo
Deposit HK$9.66M · loan HK$9.66M · min. income ≈ HK$103,328/mo (50% DSR)
Upfront cash ≈ HK$10.39M (deposit + AVD stamp duty HK$724,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,871
−HK$3,316/mo
▼ 0.25% · 3.875%
HK$54,516
−HK$1,671/mo
Today · 4.125%
HK$56,187
baseline
▲ 0.50% · 4.625%
HK$59,605
+HK$3,418/mo
Deposit HK$7.73M · loan HK$11.59M · min. income ≈ HK$112,374/mo (50% DSR)
Upfront cash ≈ HK$8.45M (deposit + AVD stamp duty HK$724,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,819
−HK$3,177/mo
▼ 0.25% · 3.875%
HK$60,396
−HK$1,600/mo
Today · 4.125%
HK$61,996
baseline
▲ 0.50% · 4.625%
HK$65,264
+HK$3,268/mo
Deposit HK$7.73M · loan HK$11.59M · min. income ≈ HK$123,992/mo (50% DSR)
Upfront cash ≈ HK$8.45M (deposit + AVD stamp duty HK$724,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,683
−HK$3,868/mo
▼ 0.25% · 3.875%
HK$63,602
−HK$1,949/mo
Today · 4.125%
HK$65,551
baseline
▲ 0.50% · 4.625%
HK$69,540
+HK$3,989/mo
Deposit HK$5.80M · loan HK$13.53M · min. income ≈ HK$131,102/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$724,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,622
−HK$3,707/mo
▼ 0.25% · 3.875%
HK$70,462
−HK$1,867/mo
Today · 4.125%
HK$72,329
baseline
▲ 0.50% · 4.625%
HK$76,142
+HK$3,813/mo
Deposit HK$5.80M · loan HK$13.53M · min. income ≈ HK$144,658/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$724,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,307
−HK$4,973/mo
▼ 0.25% · 3.875%
HK$81,774
−HK$2,506/mo
Today · 4.125%
HK$84,280
baseline
▲ 0.50% · 4.625%
HK$89,408
+HK$5,128/mo
Deposit HK$1.93M · loan HK$17.39M · min. income ≈ HK$168,560/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$724,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,228
−HK$4,767/mo
▼ 0.25% · 3.875%
HK$90,594
−HK$2,401/mo
Today · 4.125%
HK$92,995
baseline
▲ 0.50% · 4.625%
HK$97,896
+HK$4,901/mo
Deposit HK$1.93M · loan HK$17.39M · min. income ≈ HK$185,990/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$724,578 · Scale 2, in force from 26 Feb 2026)