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$44,116
−HK$2,767/mo
▼ 0.25% · 3.875%
HK$45,489
−HK$1,394/mo
Today · 4.125%
HK$46,883
baseline
▲ 0.50% · 4.625%
HK$49,735
+HK$2,852/mo
Deposit HK$9.67M · loan HK$9.67M · min. income ≈ HK$93,766/mo (50% DSR)
Upfront cash ≈ HK$10.40M (deposit + AVD stamp duty HK$725,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,079
−HK$2,651/mo
▼ 0.25% · 3.875%
HK$50,395
−HK$1,335/mo
Today · 4.125%
HK$51,730
baseline
▲ 0.50% · 4.625%
HK$54,457
+HK$2,727/mo
Deposit HK$9.67M · loan HK$9.67M · min. income ≈ HK$103,460/mo (50% DSR)
Upfront cash ≈ HK$10.40M (deposit + AVD stamp duty HK$725,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,940
−HK$3,319/mo
▼ 0.25% · 3.875%
HK$54,586
−HK$1,673/mo
Today · 4.125%
HK$56,259
baseline
▲ 0.50% · 4.625%
HK$59,683
+HK$3,424/mo
Deposit HK$7.74M · loan HK$11.61M · min. income ≈ HK$112,518/mo (50% DSR)
Upfront cash ≈ HK$8.46M (deposit + AVD stamp duty HK$725,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,895
−HK$3,182/mo
▼ 0.25% · 3.875%
HK$60,474
−HK$1,603/mo
Today · 4.125%
HK$62,077
baseline
▲ 0.50% · 4.625%
HK$65,349
+HK$3,272/mo
Deposit HK$7.74M · loan HK$11.61M · min. income ≈ HK$124,154/mo (50% DSR)
Upfront cash ≈ HK$8.46M (deposit + AVD stamp duty HK$725,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,763
−HK$3,873/mo
▼ 0.25% · 3.875%
HK$63,684
−HK$1,952/mo
Today · 4.125%
HK$65,636
baseline
▲ 0.50% · 4.625%
HK$69,630
+HK$3,994/mo
Deposit HK$5.80M · loan HK$13.54M · min. income ≈ HK$131,272/mo (50% DSR)
Upfront cash ≈ HK$6.53M (deposit + AVD stamp duty HK$725,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,710
−HK$3,713/mo
▼ 0.25% · 3.875%
HK$70,553
−HK$1,870/mo
Today · 4.125%
HK$72,423
baseline
▲ 0.50% · 4.625%
HK$76,240
+HK$3,817/mo
Deposit HK$5.80M · loan HK$13.54M · min. income ≈ HK$144,846/mo (50% DSR)
Upfront cash ≈ HK$6.53M (deposit + AVD stamp duty HK$725,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,409
−HK$4,980/mo
▼ 0.25% · 3.875%
HK$81,879
−HK$2,510/mo
Today · 4.125%
HK$84,389
baseline
▲ 0.50% · 4.625%
HK$89,524
+HK$5,135/mo
Deposit HK$1.93M · loan HK$17.41M · min. income ≈ HK$168,778/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$725,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,342
−HK$4,773/mo
▼ 0.25% · 3.875%
HK$90,711
−HK$2,404/mo
Today · 4.125%
HK$93,115
baseline
▲ 0.50% · 4.625%
HK$98,023
+HK$4,908/mo
Deposit HK$1.93M · loan HK$17.41M · min. income ≈ HK$186,230/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$725,515 · Scale 2, in force from 26 Feb 2026)