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$44,365
−HK$2,782/mo
▼ 0.25% · 3.875%
HK$45,745
−HK$1,402/mo
Today · 4.125%
HK$47,147
baseline
▲ 0.50% · 4.625%
HK$50,016
+HK$2,869/mo
Deposit HK$9.73M · loan HK$9.73M · min. income ≈ HK$94,294/mo (50% DSR)
Upfront cash ≈ HK$10.46M (deposit + AVD stamp duty HK$729,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,356
−HK$2,666/mo
▼ 0.25% · 3.875%
HK$50,679
−HK$1,343/mo
Today · 4.125%
HK$52,022
baseline
▲ 0.50% · 4.625%
HK$54,764
+HK$2,742/mo
Deposit HK$9.73M · loan HK$9.73M · min. income ≈ HK$104,044/mo (50% DSR)
Upfront cash ≈ HK$10.46M (deposit + AVD stamp duty HK$729,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,238
−HK$3,338/mo
▼ 0.25% · 3.875%
HK$54,894
−HK$1,682/mo
Today · 4.125%
HK$56,576
baseline
▲ 0.50% · 4.625%
HK$60,019
+HK$3,443/mo
Deposit HK$7.78M · loan HK$11.67M · min. income ≈ HK$113,152/mo (50% DSR)
Upfront cash ≈ HK$8.51M (deposit + AVD stamp duty HK$729,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,227
−HK$3,200/mo
▼ 0.25% · 3.875%
HK$60,815
−HK$1,612/mo
Today · 4.125%
HK$62,427
baseline
▲ 0.50% · 4.625%
HK$65,717
+HK$3,290/mo
Deposit HK$7.78M · loan HK$11.67M · min. income ≈ HK$124,854/mo (50% DSR)
Upfront cash ≈ HK$8.51M (deposit + AVD stamp duty HK$729,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,111
−HK$3,895/mo
▼ 0.25% · 3.875%
HK$64,043
−HK$1,963/mo
Today · 4.125%
HK$66,006
baseline
▲ 0.50% · 4.625%
HK$70,022
+HK$4,016/mo
Deposit HK$5.84M · loan HK$13.62M · min. income ≈ HK$132,012/mo (50% DSR)
Upfront cash ≈ HK$6.57M (deposit + AVD stamp duty HK$729,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,098
−HK$3,733/mo
▼ 0.25% · 3.875%
HK$70,951
−HK$1,880/mo
Today · 4.125%
HK$72,831
baseline
▲ 0.50% · 4.625%
HK$76,670
+HK$3,839/mo
Deposit HK$5.84M · loan HK$13.62M · min. income ≈ HK$145,662/mo (50% DSR)
Upfront cash ≈ HK$6.57M (deposit + AVD stamp duty HK$729,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,857
−HK$5,008/mo
▼ 0.25% · 3.875%
HK$82,341
−HK$2,524/mo
Today · 4.125%
HK$84,865
baseline
▲ 0.50% · 4.625%
HK$90,028
+HK$5,163/mo
Deposit HK$1.95M · loan HK$17.51M · min. income ≈ HK$169,730/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$729,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,840
−HK$4,800/mo
▼ 0.25% · 3.875%
HK$91,223
−HK$2,417/mo
Today · 4.125%
HK$93,640
baseline
▲ 0.50% · 4.625%
HK$98,576
+HK$4,936/mo
Deposit HK$1.95M · loan HK$17.51M · min. income ≈ HK$187,280/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$729,605 · Scale 2, in force from 26 Feb 2026)