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$44,301
−HK$2,778/mo
▼ 0.25% · 3.875%
HK$45,679
−HK$1,400/mo
Today · 4.125%
HK$47,079
baseline
▲ 0.50% · 4.625%
HK$49,944
+HK$2,865/mo
Deposit HK$9.71M · loan HK$9.71M · min. income ≈ HK$94,158/mo (50% DSR)
Upfront cash ≈ HK$10.44M (deposit + AVD stamp duty HK$728,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,285
−HK$2,662/mo
▼ 0.25% · 3.875%
HK$50,606
−HK$1,341/mo
Today · 4.125%
HK$51,947
baseline
▲ 0.50% · 4.625%
HK$54,686
+HK$2,739/mo
Deposit HK$9.71M · loan HK$9.71M · min. income ≈ HK$103,894/mo (50% DSR)
Upfront cash ≈ HK$10.44M (deposit + AVD stamp duty HK$728,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,161
−HK$3,334/mo
▼ 0.25% · 3.875%
HK$54,815
−HK$1,680/mo
Today · 4.125%
HK$56,495
baseline
▲ 0.50% · 4.625%
HK$59,933
+HK$3,438/mo
Deposit HK$7.77M · loan HK$11.66M · min. income ≈ HK$112,990/mo (50% DSR)
Upfront cash ≈ HK$8.50M (deposit + AVD stamp duty HK$728,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,142
−HK$3,195/mo
▼ 0.25% · 3.875%
HK$60,728
−HK$1,609/mo
Today · 4.125%
HK$62,337
baseline
▲ 0.50% · 4.625%
HK$65,623
+HK$3,286/mo
Deposit HK$7.77M · loan HK$11.66M · min. income ≈ HK$124,674/mo (50% DSR)
Upfront cash ≈ HK$8.50M (deposit + AVD stamp duty HK$728,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,022
−HK$3,889/mo
▼ 0.25% · 3.875%
HK$63,951
−HK$1,960/mo
Today · 4.125%
HK$65,911
baseline
▲ 0.50% · 4.625%
HK$69,921
+HK$4,010/mo
Deposit HK$5.83M · loan HK$13.60M · min. income ≈ HK$131,822/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$728,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,998
−HK$3,728/mo
▼ 0.25% · 3.875%
HK$70,849
−HK$1,877/mo
Today · 4.125%
HK$72,726
baseline
▲ 0.50% · 4.625%
HK$76,560
+HK$3,834/mo
Deposit HK$5.83M · loan HK$13.60M · min. income ≈ HK$145,452/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$728,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,742
−HK$5,001/mo
▼ 0.25% · 3.875%
HK$82,223
−HK$2,520/mo
Today · 4.125%
HK$84,743
baseline
▲ 0.50% · 4.625%
HK$89,899
+HK$5,156/mo
Deposit HK$1.94M · loan HK$17.49M · min. income ≈ HK$169,486/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$728,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,712
−HK$4,793/mo
▼ 0.25% · 3.875%
HK$91,092
−HK$2,413/mo
Today · 4.125%
HK$93,505
baseline
▲ 0.50% · 4.625%
HK$98,434
+HK$4,929/mo
Deposit HK$1.94M · loan HK$17.49M · min. income ≈ HK$187,010/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$728,557 · Scale 2, in force from 26 Feb 2026)