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$44,051
−HK$2,763/mo
▼ 0.25% · 3.875%
HK$45,422
−HK$1,392/mo
Today · 4.125%
HK$46,814
baseline
▲ 0.50% · 4.625%
HK$49,662
+HK$2,848/mo
Deposit HK$9.66M · loan HK$9.66M · min. income ≈ HK$93,628/mo (50% DSR)
Upfront cash ≈ HK$10.38M (deposit + AVD stamp duty HK$724,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,007
−HK$2,648/mo
▼ 0.25% · 3.875%
HK$50,321
−HK$1,334/mo
Today · 4.125%
HK$51,655
baseline
▲ 0.50% · 4.625%
HK$54,377
+HK$2,722/mo
Deposit HK$9.66M · loan HK$9.66M · min. income ≈ HK$103,310/mo (50% DSR)
Upfront cash ≈ HK$10.38M (deposit + AVD stamp duty HK$724,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,862
−HK$3,315/mo
▼ 0.25% · 3.875%
HK$54,506
−HK$1,671/mo
Today · 4.125%
HK$56,177
baseline
▲ 0.50% · 4.625%
HK$59,595
+HK$3,418/mo
Deposit HK$7.73M · loan HK$11.59M · min. income ≈ HK$112,354/mo (50% DSR)
Upfront cash ≈ HK$8.45M (deposit + AVD stamp duty HK$724,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,808
−HK$3,177/mo
▼ 0.25% · 3.875%
HK$60,385
−HK$1,600/mo
Today · 4.125%
HK$61,985
baseline
▲ 0.50% · 4.625%
HK$65,253
+HK$3,268/mo
Deposit HK$7.73M · loan HK$11.59M · min. income ≈ HK$123,970/mo (50% DSR)
Upfront cash ≈ HK$8.45M (deposit + AVD stamp duty HK$724,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,672
−HK$3,867/mo
▼ 0.25% · 3.875%
HK$63,590
−HK$1,949/mo
Today · 4.125%
HK$65,539
baseline
▲ 0.50% · 4.625%
HK$69,527
+HK$3,988/mo
Deposit HK$5.80M · loan HK$13.52M · min. income ≈ HK$131,078/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$724,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,610
−HK$3,706/mo
▼ 0.25% · 3.875%
HK$70,450
−HK$1,866/mo
Today · 4.125%
HK$72,316
baseline
▲ 0.50% · 4.625%
HK$76,128
+HK$3,812/mo
Deposit HK$5.80M · loan HK$13.52M · min. income ≈ HK$144,632/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$724,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,293
−HK$4,972/mo
▼ 0.25% · 3.875%
HK$81,759
−HK$2,506/mo
Today · 4.125%
HK$84,265
baseline
▲ 0.50% · 4.625%
HK$89,392
+HK$5,127/mo
Deposit HK$1.93M · loan HK$17.39M · min. income ≈ HK$168,530/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$724,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,212
−HK$4,766/mo
▼ 0.25% · 3.875%
HK$90,578
−HK$2,400/mo
Today · 4.125%
HK$92,978
baseline
▲ 0.50% · 4.625%
HK$97,879
+HK$4,901/mo
Deposit HK$1.93M · loan HK$17.39M · min. income ≈ HK$185,956/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$724,450 · Scale 2, in force from 26 Feb 2026)