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$44,111
−HK$2,766/mo
▼ 0.25% · 3.875%
HK$45,483
−HK$1,394/mo
Today · 4.125%
HK$46,877
baseline
▲ 0.50% · 4.625%
HK$49,729
+HK$2,852/mo
Deposit HK$9.67M · loan HK$9.67M · min. income ≈ HK$93,754/mo (50% DSR)
Upfront cash ≈ HK$10.40M (deposit + AVD stamp duty HK$725,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,073
−HK$2,651/mo
▼ 0.25% · 3.875%
HK$50,389
−HK$1,335/mo
Today · 4.125%
HK$51,724
baseline
▲ 0.50% · 4.625%
HK$54,450
+HK$2,726/mo
Deposit HK$9.67M · loan HK$9.67M · min. income ≈ HK$103,448/mo (50% DSR)
Upfront cash ≈ HK$10.40M (deposit + AVD stamp duty HK$725,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,933
−HK$3,319/mo
▼ 0.25% · 3.875%
HK$54,579
−HK$1,673/mo
Today · 4.125%
HK$56,252
baseline
▲ 0.50% · 4.625%
HK$59,675
+HK$3,423/mo
Deposit HK$7.74M · loan HK$11.61M · min. income ≈ HK$112,504/mo (50% DSR)
Upfront cash ≈ HK$8.46M (deposit + AVD stamp duty HK$725,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,887
−HK$3,182/mo
▼ 0.25% · 3.875%
HK$60,466
−HK$1,603/mo
Today · 4.125%
HK$62,069
baseline
▲ 0.50% · 4.625%
HK$65,340
+HK$3,271/mo
Deposit HK$7.74M · loan HK$11.61M · min. income ≈ HK$124,138/mo (50% DSR)
Upfront cash ≈ HK$8.46M (deposit + AVD stamp duty HK$725,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,755
−HK$3,872/mo
▼ 0.25% · 3.875%
HK$63,676
−HK$1,951/mo
Today · 4.125%
HK$65,627
baseline
▲ 0.50% · 4.625%
HK$69,621
+HK$3,994/mo
Deposit HK$5.80M · loan HK$13.54M · min. income ≈ HK$131,254/mo (50% DSR)
Upfront cash ≈ HK$6.53M (deposit + AVD stamp duty HK$725,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,702
−HK$3,711/mo
▼ 0.25% · 3.875%
HK$70,544
−HK$1,869/mo
Today · 4.125%
HK$72,413
baseline
▲ 0.50% · 4.625%
HK$76,230
+HK$3,817/mo
Deposit HK$5.80M · loan HK$13.54M · min. income ≈ HK$144,826/mo (50% DSR)
Upfront cash ≈ HK$6.53M (deposit + AVD stamp duty HK$725,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,399
−HK$4,979/mo
▼ 0.25% · 3.875%
HK$81,869
−HK$2,509/mo
Today · 4.125%
HK$84,378
baseline
▲ 0.50% · 4.625%
HK$89,512
+HK$5,134/mo
Deposit HK$1.93M · loan HK$17.41M · min. income ≈ HK$168,756/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$725,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,331
−HK$4,772/mo
▼ 0.25% · 3.875%
HK$90,700
−HK$2,403/mo
Today · 4.125%
HK$93,103
baseline
▲ 0.50% · 4.625%
HK$98,011
+HK$4,908/mo
Deposit HK$1.93M · loan HK$17.41M · min. income ≈ HK$186,206/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$725,423 · Scale 2, in force from 26 Feb 2026)