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$44,368
−HK$2,782/mo
▼ 0.25% · 3.875%
HK$45,748
−HK$1,402/mo
Today · 4.125%
HK$47,150
baseline
▲ 0.50% · 4.625%
HK$50,019
+HK$2,869/mo
Deposit HK$9.73M · loan HK$9.73M · min. income ≈ HK$94,300/mo (50% DSR)
Upfront cash ≈ HK$10.46M (deposit + AVD stamp duty HK$729,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,359
−HK$2,667/mo
▼ 0.25% · 3.875%
HK$50,683
−HK$1,343/mo
Today · 4.125%
HK$52,026
baseline
▲ 0.50% · 4.625%
HK$54,768
+HK$2,742/mo
Deposit HK$9.73M · loan HK$9.73M · min. income ≈ HK$104,052/mo (50% DSR)
Upfront cash ≈ HK$10.46M (deposit + AVD stamp duty HK$729,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,242
−HK$3,338/mo
▼ 0.25% · 3.875%
HK$54,898
−HK$1,682/mo
Today · 4.125%
HK$56,580
baseline
▲ 0.50% · 4.625%
HK$60,023
+HK$3,443/mo
Deposit HK$7.78M · loan HK$11.67M · min. income ≈ HK$113,160/mo (50% DSR)
Upfront cash ≈ HK$8.51M (deposit + AVD stamp duty HK$729,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,231
−HK$3,200/mo
▼ 0.25% · 3.875%
HK$60,819
−HK$1,612/mo
Today · 4.125%
HK$62,431
baseline
▲ 0.50% · 4.625%
HK$65,721
+HK$3,290/mo
Deposit HK$7.78M · loan HK$11.67M · min. income ≈ HK$124,862/mo (50% DSR)
Upfront cash ≈ HK$8.51M (deposit + AVD stamp duty HK$729,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,115
−HK$3,895/mo
▼ 0.25% · 3.875%
HK$64,047
−HK$1,963/mo
Today · 4.125%
HK$66,010
baseline
▲ 0.50% · 4.625%
HK$70,027
+HK$4,017/mo
Deposit HK$5.84M · loan HK$13.62M · min. income ≈ HK$132,020/mo (50% DSR)
Upfront cash ≈ HK$6.57M (deposit + AVD stamp duty HK$729,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,102
−HK$3,734/mo
▼ 0.25% · 3.875%
HK$70,956
−HK$1,880/mo
Today · 4.125%
HK$72,836
baseline
▲ 0.50% · 4.625%
HK$76,675
+HK$3,839/mo
Deposit HK$5.84M · loan HK$13.62M · min. income ≈ HK$145,672/mo (50% DSR)
Upfront cash ≈ HK$6.57M (deposit + AVD stamp duty HK$729,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,862
−HK$5,008/mo
▼ 0.25% · 3.875%
HK$82,346
−HK$2,524/mo
Today · 4.125%
HK$84,870
baseline
▲ 0.50% · 4.625%
HK$90,034
+HK$5,164/mo
Deposit HK$1.95M · loan HK$17.51M · min. income ≈ HK$169,740/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$729,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,846
−HK$4,800/mo
▼ 0.25% · 3.875%
HK$91,229
−HK$2,417/mo
Today · 4.125%
HK$93,646
baseline
▲ 0.50% · 4.625%
HK$98,582
+HK$4,936/mo
Deposit HK$1.95M · loan HK$17.51M · min. income ≈ HK$187,292/mo (50% DSR)
Upfront cash ≈ HK$2.68M (deposit + AVD stamp duty HK$729,654 · Scale 2, in force from 26 Feb 2026)