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$44,270
−HK$2,776/mo
▼ 0.25% · 3.875%
HK$45,647
−HK$1,399/mo
Today · 4.125%
HK$47,046
baseline
▲ 0.50% · 4.625%
HK$49,909
+HK$2,863/mo
Deposit HK$9.71M · loan HK$9.71M · min. income ≈ HK$94,092/mo (50% DSR)
Upfront cash ≈ HK$10.44M (deposit + AVD stamp duty HK$728,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,250
−HK$2,661/mo
▼ 0.25% · 3.875%
HK$50,571
−HK$1,340/mo
Today · 4.125%
HK$51,911
baseline
▲ 0.50% · 4.625%
HK$54,647
+HK$2,736/mo
Deposit HK$9.71M · loan HK$9.71M · min. income ≈ HK$103,822/mo (50% DSR)
Upfront cash ≈ HK$10.44M (deposit + AVD stamp duty HK$728,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,124
−HK$3,331/mo
▼ 0.25% · 3.875%
HK$54,776
−HK$1,679/mo
Today · 4.125%
HK$56,455
baseline
▲ 0.50% · 4.625%
HK$59,890
+HK$3,435/mo
Deposit HK$7.77M · loan HK$11.65M · min. income ≈ HK$112,910/mo (50% DSR)
Upfront cash ≈ HK$8.49M (deposit + AVD stamp duty HK$728,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,100
−HK$3,193/mo
▼ 0.25% · 3.875%
HK$60,685
−HK$1,608/mo
Today · 4.125%
HK$62,293
baseline
▲ 0.50% · 4.625%
HK$65,576
+HK$3,283/mo
Deposit HK$7.77M · loan HK$11.65M · min. income ≈ HK$124,586/mo (50% DSR)
Upfront cash ≈ HK$8.49M (deposit + AVD stamp duty HK$728,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,978
−HK$3,886/mo
▼ 0.25% · 3.875%
HK$63,906
−HK$1,958/mo
Today · 4.125%
HK$65,864
baseline
▲ 0.50% · 4.625%
HK$69,872
+HK$4,008/mo
Deposit HK$5.82M · loan HK$13.59M · min. income ≈ HK$131,728/mo (50% DSR)
Upfront cash ≈ HK$6.55M (deposit + AVD stamp duty HK$728,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,950
−HK$3,725/mo
▼ 0.25% · 3.875%
HK$70,799
−HK$1,876/mo
Today · 4.125%
HK$72,675
baseline
▲ 0.50% · 4.625%
HK$76,506
+HK$3,831/mo
Deposit HK$5.82M · loan HK$13.59M · min. income ≈ HK$145,350/mo (50% DSR)
Upfront cash ≈ HK$6.55M (deposit + AVD stamp duty HK$728,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,686
−HK$4,997/mo
▼ 0.25% · 3.875%
HK$82,164
−HK$2,519/mo
Today · 4.125%
HK$84,683
baseline
▲ 0.50% · 4.625%
HK$89,835
+HK$5,152/mo
Deposit HK$1.94M · loan HK$17.47M · min. income ≈ HK$169,366/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$728,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,649
−HK$4,790/mo
▼ 0.25% · 3.875%
HK$91,027
−HK$2,412/mo
Today · 4.125%
HK$93,439
baseline
▲ 0.50% · 4.625%
HK$98,364
+HK$4,925/mo
Deposit HK$1.94M · loan HK$17.47M · min. income ≈ HK$186,878/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$728,040 · Scale 2, in force from 26 Feb 2026)