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$44,348
−HK$2,781/mo
▼ 0.25% · 3.875%
HK$45,727
−HK$1,402/mo
Today · 4.125%
HK$47,129
baseline
▲ 0.50% · 4.625%
HK$49,996
+HK$2,867/mo
Deposit HK$9.72M · loan HK$9.72M · min. income ≈ HK$94,258/mo (50% DSR)
Upfront cash ≈ HK$10.45M (deposit + AVD stamp duty HK$729,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,336
−HK$2,666/mo
▼ 0.25% · 3.875%
HK$50,659
−HK$1,343/mo
Today · 4.125%
HK$52,002
baseline
▲ 0.50% · 4.625%
HK$54,743
+HK$2,741/mo
Deposit HK$9.72M · loan HK$9.72M · min. income ≈ HK$104,004/mo (50% DSR)
Upfront cash ≈ HK$10.45M (deposit + AVD stamp duty HK$729,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,217
−HK$3,337/mo
▼ 0.25% · 3.875%
HK$54,872
−HK$1,682/mo
Today · 4.125%
HK$56,554
baseline
▲ 0.50% · 4.625%
HK$59,995
+HK$3,441/mo
Deposit HK$7.78M · loan HK$11.67M · min. income ≈ HK$113,108/mo (50% DSR)
Upfront cash ≈ HK$8.51M (deposit + AVD stamp duty HK$729,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,203
−HK$3,199/mo
▼ 0.25% · 3.875%
HK$60,791
−HK$1,611/mo
Today · 4.125%
HK$62,402
baseline
▲ 0.50% · 4.625%
HK$65,691
+HK$3,289/mo
Deposit HK$7.78M · loan HK$11.67M · min. income ≈ HK$124,804/mo (50% DSR)
Upfront cash ≈ HK$8.51M (deposit + AVD stamp duty HK$729,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,087
−HK$3,893/mo
▼ 0.25% · 3.875%
HK$64,018
−HK$1,962/mo
Today · 4.125%
HK$65,980
baseline
▲ 0.50% · 4.625%
HK$69,995
+HK$4,015/mo
Deposit HK$5.83M · loan HK$13.61M · min. income ≈ HK$131,960/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$729,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,071
−HK$3,731/mo
▼ 0.25% · 3.875%
HK$70,923
−HK$1,879/mo
Today · 4.125%
HK$72,802
baseline
▲ 0.50% · 4.625%
HK$76,640
+HK$3,838/mo
Deposit HK$5.83M · loan HK$13.61M · min. income ≈ HK$145,604/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$729,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,826
−HK$5,005/mo
▼ 0.25% · 3.875%
HK$82,309
−HK$2,522/mo
Today · 4.125%
HK$84,831
baseline
▲ 0.50% · 4.625%
HK$89,993
+HK$5,162/mo
Deposit HK$1.94M · loan HK$17.50M · min. income ≈ HK$169,662/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$729,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,805
−HK$4,798/mo
▼ 0.25% · 3.875%
HK$91,187
−HK$2,416/mo
Today · 4.125%
HK$93,603
baseline
▲ 0.50% · 4.625%
HK$98,537
+HK$4,934/mo
Deposit HK$1.94M · loan HK$17.50M · min. income ≈ HK$187,206/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$729,319 · Scale 2, in force from 26 Feb 2026)