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$44,318
−HK$2,779/mo
▼ 0.25% · 3.875%
HK$45,697
−HK$1,400/mo
Today · 4.125%
HK$47,097
baseline
▲ 0.50% · 4.625%
HK$49,963
+HK$2,866/mo
Deposit HK$9.72M · loan HK$9.72M · min. income ≈ HK$94,194/mo (50% DSR)
Upfront cash ≈ HK$10.45M (deposit + AVD stamp duty HK$728,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,304
−HK$2,663/mo
▼ 0.25% · 3.875%
HK$50,626
−HK$1,341/mo
Today · 4.125%
HK$51,967
baseline
▲ 0.50% · 4.625%
HK$54,706
+HK$2,739/mo
Deposit HK$9.72M · loan HK$9.72M · min. income ≈ HK$103,934/mo (50% DSR)
Upfront cash ≈ HK$10.45M (deposit + AVD stamp duty HK$728,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,182
−HK$3,335/mo
▼ 0.25% · 3.875%
HK$54,836
−HK$1,681/mo
Today · 4.125%
HK$56,517
baseline
▲ 0.50% · 4.625%
HK$59,956
+HK$3,439/mo
Deposit HK$7.77M · loan HK$11.66M · min. income ≈ HK$113,034/mo (50% DSR)
Upfront cash ≈ HK$8.50M (deposit + AVD stamp duty HK$728,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,164
−HK$3,197/mo
▼ 0.25% · 3.875%
HK$60,751
−HK$1,610/mo
Today · 4.125%
HK$62,361
baseline
▲ 0.50% · 4.625%
HK$65,648
+HK$3,287/mo
Deposit HK$7.77M · loan HK$11.66M · min. income ≈ HK$124,722/mo (50% DSR)
Upfront cash ≈ HK$8.50M (deposit + AVD stamp duty HK$728,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,045
−HK$3,891/mo
▼ 0.25% · 3.875%
HK$63,975
−HK$1,961/mo
Today · 4.125%
HK$65,936
baseline
▲ 0.50% · 4.625%
HK$69,948
+HK$4,012/mo
Deposit HK$5.83M · loan HK$13.60M · min. income ≈ HK$131,872/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$728,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,025
−HK$3,729/mo
▼ 0.25% · 3.875%
HK$70,876
−HK$1,878/mo
Today · 4.125%
HK$72,754
baseline
▲ 0.50% · 4.625%
HK$76,589
+HK$3,835/mo
Deposit HK$5.83M · loan HK$13.60M · min. income ≈ HK$145,508/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$728,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,773
−HK$5,002/mo
▼ 0.25% · 3.875%
HK$82,254
−HK$2,521/mo
Today · 4.125%
HK$84,775
baseline
▲ 0.50% · 4.625%
HK$89,934
+HK$5,159/mo
Deposit HK$1.94M · loan HK$17.49M · min. income ≈ HK$169,550/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$728,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,746
−HK$4,795/mo
▼ 0.25% · 3.875%
HK$91,126
−HK$2,415/mo
Today · 4.125%
HK$93,541
baseline
▲ 0.50% · 4.625%
HK$98,472
+HK$4,931/mo
Deposit HK$1.94M · loan HK$17.49M · min. income ≈ HK$187,082/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$728,836 · Scale 2, in force from 26 Feb 2026)