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$44,333
−HK$2,780/mo
▼ 0.25% · 3.875%
HK$45,712
−HK$1,401/mo
Today · 4.125%
HK$47,113
baseline
▲ 0.50% · 4.625%
HK$49,980
+HK$2,867/mo
Deposit HK$9.72M · loan HK$9.72M · min. income ≈ HK$94,226/mo (50% DSR)
Upfront cash ≈ HK$10.45M (deposit + AVD stamp duty HK$729,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,320
−HK$2,665/mo
▼ 0.25% · 3.875%
HK$50,643
−HK$1,342/mo
Today · 4.125%
HK$51,985
baseline
▲ 0.50% · 4.625%
HK$54,725
+HK$2,740/mo
Deposit HK$9.72M · loan HK$9.72M · min. income ≈ HK$103,970/mo (50% DSR)
Upfront cash ≈ HK$10.45M (deposit + AVD stamp duty HK$729,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,200
−HK$3,336/mo
▼ 0.25% · 3.875%
HK$54,854
−HK$1,682/mo
Today · 4.125%
HK$56,536
baseline
▲ 0.50% · 4.625%
HK$59,976
+HK$3,440/mo
Deposit HK$7.78M · loan HK$11.67M · min. income ≈ HK$113,072/mo (50% DSR)
Upfront cash ≈ HK$8.51M (deposit + AVD stamp duty HK$729,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,184
−HK$3,197/mo
▼ 0.25% · 3.875%
HK$60,771
−HK$1,610/mo
Today · 4.125%
HK$62,381
baseline
▲ 0.50% · 4.625%
HK$65,670
+HK$3,289/mo
Deposit HK$7.78M · loan HK$11.67M · min. income ≈ HK$124,762/mo (50% DSR)
Upfront cash ≈ HK$8.51M (deposit + AVD stamp duty HK$729,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,066
−HK$3,892/mo
▼ 0.25% · 3.875%
HK$63,997
−HK$1,961/mo
Today · 4.125%
HK$65,958
baseline
▲ 0.50% · 4.625%
HK$69,972
+HK$4,014/mo
Deposit HK$5.83M · loan HK$13.61M · min. income ≈ HK$131,916/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$729,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,048
−HK$3,730/mo
▼ 0.25% · 3.875%
HK$70,900
−HK$1,878/mo
Today · 4.125%
HK$72,778
baseline
▲ 0.50% · 4.625%
HK$76,615
+HK$3,837/mo
Deposit HK$5.83M · loan HK$13.61M · min. income ≈ HK$145,556/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$729,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,799
−HK$5,004/mo
▼ 0.25% · 3.875%
HK$82,282
−HK$2,521/mo
Today · 4.125%
HK$84,803
baseline
▲ 0.50% · 4.625%
HK$89,964
+HK$5,161/mo
Deposit HK$1.94M · loan HK$17.50M · min. income ≈ HK$169,606/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$729,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,776
−HK$4,796/mo
▼ 0.25% · 3.875%
HK$91,157
−HK$2,415/mo
Today · 4.125%
HK$93,572
baseline
▲ 0.50% · 4.625%
HK$98,505
+HK$4,933/mo
Deposit HK$1.94M · loan HK$17.50M · min. income ≈ HK$187,144/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$729,079 · Scale 2, in force from 26 Feb 2026)