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$44,283
−HK$2,777/mo
▼ 0.25% · 3.875%
HK$45,661
−HK$1,399/mo
Today · 4.125%
HK$47,060
baseline
▲ 0.50% · 4.625%
HK$49,924
+HK$2,864/mo
Deposit HK$9.71M · loan HK$9.71M · min. income ≈ HK$94,120/mo (50% DSR)
Upfront cash ≈ HK$10.44M (deposit + AVD stamp duty HK$728,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,265
−HK$2,661/mo
▼ 0.25% · 3.875%
HK$50,586
−HK$1,340/mo
Today · 4.125%
HK$51,926
baseline
▲ 0.50% · 4.625%
HK$54,663
+HK$2,737/mo
Deposit HK$9.71M · loan HK$9.71M · min. income ≈ HK$103,852/mo (50% DSR)
Upfront cash ≈ HK$10.44M (deposit + AVD stamp duty HK$728,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,140
−HK$3,332/mo
▼ 0.25% · 3.875%
HK$54,793
−HK$1,679/mo
Today · 4.125%
HK$56,472
baseline
▲ 0.50% · 4.625%
HK$59,908
+HK$3,436/mo
Deposit HK$7.77M · loan HK$11.65M · min. income ≈ HK$112,944/mo (50% DSR)
Upfront cash ≈ HK$8.50M (deposit + AVD stamp duty HK$728,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,117
−HK$3,194/mo
▼ 0.25% · 3.875%
HK$60,703
−HK$1,608/mo
Today · 4.125%
HK$62,311
baseline
▲ 0.50% · 4.625%
HK$65,596
+HK$3,285/mo
Deposit HK$7.77M · loan HK$11.65M · min. income ≈ HK$124,622/mo (50% DSR)
Upfront cash ≈ HK$8.50M (deposit + AVD stamp duty HK$728,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,996
−HK$3,888/mo
▼ 0.25% · 3.875%
HK$63,925
−HK$1,959/mo
Today · 4.125%
HK$65,884
baseline
▲ 0.50% · 4.625%
HK$69,893
+HK$4,009/mo
Deposit HK$5.83M · loan HK$13.59M · min. income ≈ HK$131,768/mo (50% DSR)
Upfront cash ≈ HK$6.55M (deposit + AVD stamp duty HK$728,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,970
−HK$3,727/mo
▼ 0.25% · 3.875%
HK$70,820
−HK$1,877/mo
Today · 4.125%
HK$72,697
baseline
▲ 0.50% · 4.625%
HK$76,529
+HK$3,832/mo
Deposit HK$5.83M · loan HK$13.59M · min. income ≈ HK$145,394/mo (50% DSR)
Upfront cash ≈ HK$6.55M (deposit + AVD stamp duty HK$728,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,710
−HK$4,998/mo
▼ 0.25% · 3.875%
HK$82,189
−HK$2,519/mo
Today · 4.125%
HK$84,708
baseline
▲ 0.50% · 4.625%
HK$89,862
+HK$5,154/mo
Deposit HK$1.94M · loan HK$17.48M · min. income ≈ HK$169,416/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$728,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,676
−HK$4,791/mo
▼ 0.25% · 3.875%
HK$91,054
−HK$2,413/mo
Today · 4.125%
HK$93,467
baseline
▲ 0.50% · 4.625%
HK$98,394
+HK$4,927/mo
Deposit HK$1.94M · loan HK$17.48M · min. income ≈ HK$186,934/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$728,259 · Scale 2, in force from 26 Feb 2026)