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$44,065
−HK$2,763/mo
▼ 0.25% · 3.875%
HK$45,436
−HK$1,392/mo
Today · 4.125%
HK$46,828
baseline
▲ 0.50% · 4.625%
HK$49,678
+HK$2,850/mo
Deposit HK$9.66M · loan HK$9.66M · min. income ≈ HK$93,656/mo (50% DSR)
Upfront cash ≈ HK$10.39M (deposit + AVD stamp duty HK$724,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,022
−HK$2,648/mo
▼ 0.25% · 3.875%
HK$50,337
−HK$1,333/mo
Today · 4.125%
HK$51,670
baseline
▲ 0.50% · 4.625%
HK$54,394
+HK$2,724/mo
Deposit HK$9.66M · loan HK$9.66M · min. income ≈ HK$103,340/mo (50% DSR)
Upfront cash ≈ HK$10.39M (deposit + AVD stamp duty HK$724,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,878
−HK$3,316/mo
▼ 0.25% · 3.875%
HK$54,523
−HK$1,671/mo
Today · 4.125%
HK$56,194
baseline
▲ 0.50% · 4.625%
HK$59,613
+HK$3,419/mo
Deposit HK$7.73M · loan HK$11.59M · min. income ≈ HK$112,388/mo (50% DSR)
Upfront cash ≈ HK$8.45M (deposit + AVD stamp duty HK$724,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,826
−HK$3,178/mo
▼ 0.25% · 3.875%
HK$60,404
−HK$1,600/mo
Today · 4.125%
HK$62,004
baseline
▲ 0.50% · 4.625%
HK$65,273
+HK$3,269/mo
Deposit HK$7.73M · loan HK$11.59M · min. income ≈ HK$124,008/mo (50% DSR)
Upfront cash ≈ HK$8.45M (deposit + AVD stamp duty HK$724,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,691
−HK$3,869/mo
▼ 0.25% · 3.875%
HK$63,610
−HK$1,950/mo
Today · 4.125%
HK$65,560
baseline
▲ 0.50% · 4.625%
HK$69,549
+HK$3,989/mo
Deposit HK$5.80M · loan HK$13.53M · min. income ≈ HK$131,120/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$724,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,631
−HK$3,707/mo
▼ 0.25% · 3.875%
HK$70,471
−HK$1,867/mo
Today · 4.125%
HK$72,338
baseline
▲ 0.50% · 4.625%
HK$76,152
+HK$3,814/mo
Deposit HK$5.80M · loan HK$13.53M · min. income ≈ HK$144,676/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$724,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,317
−HK$4,974/mo
▼ 0.25% · 3.875%
HK$81,784
−HK$2,507/mo
Today · 4.125%
HK$84,291
baseline
▲ 0.50% · 4.625%
HK$89,420
+HK$5,129/mo
Deposit HK$1.93M · loan HK$17.39M · min. income ≈ HK$168,582/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$724,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,239
−HK$4,768/mo
▼ 0.25% · 3.875%
HK$90,606
−HK$2,401/mo
Today · 4.125%
HK$93,007
baseline
▲ 0.50% · 4.625%
HK$97,909
+HK$4,902/mo
Deposit HK$1.93M · loan HK$17.39M · min. income ≈ HK$186,014/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$724,672 · Scale 2, in force from 26 Feb 2026)