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$44,104
−HK$2,766/mo
▼ 0.25% · 3.875%
HK$45,476
−HK$1,394/mo
Today · 4.125%
HK$46,870
baseline
▲ 0.50% · 4.625%
HK$49,722
+HK$2,852/mo
Deposit HK$9.67M · loan HK$9.67M · min. income ≈ HK$93,740/mo (50% DSR)
Upfront cash ≈ HK$10.40M (deposit + AVD stamp duty HK$725,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,065
−HK$2,651/mo
▼ 0.25% · 3.875%
HK$50,381
−HK$1,335/mo
Today · 4.125%
HK$51,716
baseline
▲ 0.50% · 4.625%
HK$54,442
+HK$2,726/mo
Deposit HK$9.67M · loan HK$9.67M · min. income ≈ HK$103,432/mo (50% DSR)
Upfront cash ≈ HK$10.40M (deposit + AVD stamp duty HK$725,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,925
−HK$3,319/mo
▼ 0.25% · 3.875%
HK$54,571
−HK$1,673/mo
Today · 4.125%
HK$56,244
baseline
▲ 0.50% · 4.625%
HK$59,666
+HK$3,422/mo
Deposit HK$7.74M · loan HK$11.61M · min. income ≈ HK$112,488/mo (50% DSR)
Upfront cash ≈ HK$8.46M (deposit + AVD stamp duty HK$725,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,878
−HK$3,181/mo
▼ 0.25% · 3.875%
HK$60,457
−HK$1,602/mo
Today · 4.125%
HK$62,059
baseline
▲ 0.50% · 4.625%
HK$65,331
+HK$3,272/mo
Deposit HK$7.74M · loan HK$11.61M · min. income ≈ HK$124,118/mo (50% DSR)
Upfront cash ≈ HK$8.46M (deposit + AVD stamp duty HK$725,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,746
−HK$3,872/mo
▼ 0.25% · 3.875%
HK$63,666
−HK$1,952/mo
Today · 4.125%
HK$65,618
baseline
▲ 0.50% · 4.625%
HK$69,610
+HK$3,992/mo
Deposit HK$5.80M · loan HK$13.54M · min. income ≈ HK$131,236/mo (50% DSR)
Upfront cash ≈ HK$6.53M (deposit + AVD stamp duty HK$725,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,691
−HK$3,712/mo
▼ 0.25% · 3.875%
HK$70,534
−HK$1,869/mo
Today · 4.125%
HK$72,403
baseline
▲ 0.50% · 4.625%
HK$76,219
+HK$3,816/mo
Deposit HK$5.80M · loan HK$13.54M · min. income ≈ HK$144,806/mo (50% DSR)
Upfront cash ≈ HK$6.53M (deposit + AVD stamp duty HK$725,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,387
−HK$4,979/mo
▼ 0.25% · 3.875%
HK$81,857
−HK$2,509/mo
Today · 4.125%
HK$84,366
baseline
▲ 0.50% · 4.625%
HK$89,499
+HK$5,133/mo
Deposit HK$1.93M · loan HK$17.41M · min. income ≈ HK$168,732/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$725,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,318
−HK$4,771/mo
▼ 0.25% · 3.875%
HK$90,686
−HK$2,403/mo
Today · 4.125%
HK$93,089
baseline
▲ 0.50% · 4.625%
HK$97,996
+HK$4,907/mo
Deposit HK$1.93M · loan HK$17.41M · min. income ≈ HK$186,178/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$725,314 · Scale 2, in force from 26 Feb 2026)