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$44,275
−HK$2,776/mo
▼ 0.25% · 3.875%
HK$45,652
−HK$1,399/mo
Today · 4.125%
HK$47,051
baseline
▲ 0.50% · 4.625%
HK$49,914
+HK$2,863/mo
Deposit HK$9.71M · loan HK$9.71M · min. income ≈ HK$94,102/mo (50% DSR)
Upfront cash ≈ HK$10.44M (deposit + AVD stamp duty HK$728,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,255
−HK$2,661/mo
▼ 0.25% · 3.875%
HK$50,576
−HK$1,340/mo
Today · 4.125%
HK$51,916
baseline
▲ 0.50% · 4.625%
HK$54,653
+HK$2,737/mo
Deposit HK$9.71M · loan HK$9.71M · min. income ≈ HK$103,832/mo (50% DSR)
Upfront cash ≈ HK$10.44M (deposit + AVD stamp duty HK$728,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,130
−HK$3,331/mo
▼ 0.25% · 3.875%
HK$54,782
−HK$1,679/mo
Today · 4.125%
HK$56,461
baseline
▲ 0.50% · 4.625%
HK$59,897
+HK$3,436/mo
Deposit HK$7.77M · loan HK$11.65M · min. income ≈ HK$112,922/mo (50% DSR)
Upfront cash ≈ HK$8.49M (deposit + AVD stamp duty HK$728,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,106
−HK$3,194/mo
▼ 0.25% · 3.875%
HK$60,691
−HK$1,609/mo
Today · 4.125%
HK$62,300
baseline
▲ 0.50% · 4.625%
HK$65,583
+HK$3,283/mo
Deposit HK$7.77M · loan HK$11.65M · min. income ≈ HK$124,600/mo (50% DSR)
Upfront cash ≈ HK$8.49M (deposit + AVD stamp duty HK$728,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,985
−HK$3,887/mo
▼ 0.25% · 3.875%
HK$63,913
−HK$1,959/mo
Today · 4.125%
HK$65,872
baseline
▲ 0.50% · 4.625%
HK$69,880
+HK$4,008/mo
Deposit HK$5.82M · loan HK$13.59M · min. income ≈ HK$131,744/mo (50% DSR)
Upfront cash ≈ HK$6.55M (deposit + AVD stamp duty HK$728,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,957
−HK$3,726/mo
▼ 0.25% · 3.875%
HK$70,807
−HK$1,876/mo
Today · 4.125%
HK$72,683
baseline
▲ 0.50% · 4.625%
HK$76,514
+HK$3,831/mo
Deposit HK$5.82M · loan HK$13.59M · min. income ≈ HK$145,366/mo (50% DSR)
Upfront cash ≈ HK$6.55M (deposit + AVD stamp duty HK$728,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,695
−HK$4,997/mo
▼ 0.25% · 3.875%
HK$82,173
−HK$2,519/mo
Today · 4.125%
HK$84,692
baseline
▲ 0.50% · 4.625%
HK$89,845
+HK$5,153/mo
Deposit HK$1.94M · loan HK$17.47M · min. income ≈ HK$169,384/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$728,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,659
−HK$4,790/mo
▼ 0.25% · 3.875%
HK$91,037
−HK$2,412/mo
Today · 4.125%
HK$93,449
baseline
▲ 0.50% · 4.625%
HK$98,375
+HK$4,926/mo
Deposit HK$1.94M · loan HK$17.47M · min. income ≈ HK$186,898/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$728,121 · Scale 2, in force from 26 Feb 2026)