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$44,136
−HK$2,768/mo
▼ 0.25% · 3.875%
HK$45,509
−HK$1,395/mo
Today · 4.125%
HK$46,904
baseline
▲ 0.50% · 4.625%
HK$49,758
+HK$2,854/mo
Deposit HK$9.68M · loan HK$9.68M · min. income ≈ HK$93,808/mo (50% DSR)
Upfront cash ≈ HK$10.40M (deposit + AVD stamp duty HK$725,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,101
−HK$2,653/mo
▼ 0.25% · 3.875%
HK$50,418
−HK$1,336/mo
Today · 4.125%
HK$51,754
baseline
▲ 0.50% · 4.625%
HK$54,482
+HK$2,728/mo
Deposit HK$9.68M · loan HK$9.68M · min. income ≈ HK$103,508/mo (50% DSR)
Upfront cash ≈ HK$10.40M (deposit + AVD stamp duty HK$725,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,964
−HK$3,321/mo
▼ 0.25% · 3.875%
HK$54,611
−HK$1,674/mo
Today · 4.125%
HK$56,285
baseline
▲ 0.50% · 4.625%
HK$59,710
+HK$3,425/mo
Deposit HK$7.74M · loan HK$11.61M · min. income ≈ HK$112,570/mo (50% DSR)
Upfront cash ≈ HK$8.47M (deposit + AVD stamp duty HK$725,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,921
−HK$3,184/mo
▼ 0.25% · 3.875%
HK$60,502
−HK$1,603/mo
Today · 4.125%
HK$62,105
baseline
▲ 0.50% · 4.625%
HK$65,378
+HK$3,273/mo
Deposit HK$7.74M · loan HK$11.61M · min. income ≈ HK$124,210/mo (50% DSR)
Upfront cash ≈ HK$8.47M (deposit + AVD stamp duty HK$725,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,791
−HK$3,875/mo
▼ 0.25% · 3.875%
HK$63,713
−HK$1,953/mo
Today · 4.125%
HK$65,666
baseline
▲ 0.50% · 4.625%
HK$69,661
+HK$3,995/mo
Deposit HK$5.81M · loan HK$13.55M · min. income ≈ HK$131,332/mo (50% DSR)
Upfront cash ≈ HK$6.53M (deposit + AVD stamp duty HK$725,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,742
−HK$3,714/mo
▼ 0.25% · 3.875%
HK$70,585
−HK$1,871/mo
Today · 4.125%
HK$72,456
baseline
▲ 0.50% · 4.625%
HK$76,275
+HK$3,819/mo
Deposit HK$5.81M · loan HK$13.55M · min. income ≈ HK$144,912/mo (50% DSR)
Upfront cash ≈ HK$6.53M (deposit + AVD stamp duty HK$725,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,445
−HK$4,982/mo
▼ 0.25% · 3.875%
HK$81,917
−HK$2,510/mo
Today · 4.125%
HK$84,427
baseline
▲ 0.50% · 4.625%
HK$89,564
+HK$5,137/mo
Deposit HK$1.94M · loan HK$17.42M · min. income ≈ HK$168,854/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$725,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,382
−HK$4,775/mo
▼ 0.25% · 3.875%
HK$90,752
−HK$2,405/mo
Today · 4.125%
HK$93,157
baseline
▲ 0.50% · 4.625%
HK$98,068
+HK$4,911/mo
Deposit HK$1.94M · loan HK$17.42M · min. income ≈ HK$186,314/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$725,844 · Scale 2, in force from 26 Feb 2026)