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$44,034
−HK$2,762/mo
▼ 0.25% · 3.875%
HK$45,404
−HK$1,392/mo
Today · 4.125%
HK$46,796
baseline
▲ 0.50% · 4.625%
HK$49,643
+HK$2,847/mo
Deposit HK$9.66M · loan HK$9.66M · min. income ≈ HK$93,592/mo (50% DSR)
Upfront cash ≈ HK$10.38M (deposit + AVD stamp duty HK$724,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,988
−HK$2,646/mo
▼ 0.25% · 3.875%
HK$50,302
−HK$1,332/mo
Today · 4.125%
HK$51,634
baseline
▲ 0.50% · 4.625%
HK$54,356
+HK$2,722/mo
Deposit HK$9.66M · loan HK$9.66M · min. income ≈ HK$103,268/mo (50% DSR)
Upfront cash ≈ HK$10.38M (deposit + AVD stamp duty HK$724,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,841
−HK$3,314/mo
▼ 0.25% · 3.875%
HK$54,485
−HK$1,670/mo
Today · 4.125%
HK$56,155
baseline
▲ 0.50% · 4.625%
HK$59,572
+HK$3,417/mo
Deposit HK$7.72M · loan HK$11.59M · min. income ≈ HK$112,310/mo (50% DSR)
Upfront cash ≈ HK$8.45M (deposit + AVD stamp duty HK$724,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,785
−HK$3,176/mo
▼ 0.25% · 3.875%
HK$60,362
−HK$1,599/mo
Today · 4.125%
HK$61,961
baseline
▲ 0.50% · 4.625%
HK$65,227
+HK$3,266/mo
Deposit HK$7.72M · loan HK$11.59M · min. income ≈ HK$123,922/mo (50% DSR)
Upfront cash ≈ HK$8.45M (deposit + AVD stamp duty HK$724,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,648
−HK$3,866/mo
▼ 0.25% · 3.875%
HK$63,566
−HK$1,948/mo
Today · 4.125%
HK$65,514
baseline
▲ 0.50% · 4.625%
HK$69,500
+HK$3,986/mo
Deposit HK$5.79M · loan HK$13.52M · min. income ≈ HK$131,028/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$724,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,583
−HK$3,705/mo
▼ 0.25% · 3.875%
HK$70,422
−HK$1,866/mo
Today · 4.125%
HK$72,288
baseline
▲ 0.50% · 4.625%
HK$76,099
+HK$3,811/mo
Deposit HK$5.79M · loan HK$13.52M · min. income ≈ HK$144,576/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$724,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,262
−HK$4,970/mo
▼ 0.25% · 3.875%
HK$81,727
−HK$2,505/mo
Today · 4.125%
HK$84,232
baseline
▲ 0.50% · 4.625%
HK$89,357
+HK$5,125/mo
Deposit HK$1.93M · loan HK$17.38M · min. income ≈ HK$168,464/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$724,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,178
−HK$4,764/mo
▼ 0.25% · 3.875%
HK$90,543
−HK$2,399/mo
Today · 4.125%
HK$92,942
baseline
▲ 0.50% · 4.625%
HK$97,841
+HK$4,899/mo
Deposit HK$1.93M · loan HK$17.38M · min. income ≈ HK$185,884/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$724,168 · Scale 2, in force from 26 Feb 2026)