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$44,300
−HK$2,778/mo
▼ 0.25% · 3.875%
HK$45,678
−HK$1,400/mo
Today · 4.125%
HK$47,078
baseline
▲ 0.50% · 4.625%
HK$49,942
+HK$2,864/mo
Deposit HK$9.71M · loan HK$9.71M · min. income ≈ HK$94,156/mo (50% DSR)
Upfront cash ≈ HK$10.44M (deposit + AVD stamp duty HK$728,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,283
−HK$2,663/mo
▼ 0.25% · 3.875%
HK$50,605
−HK$1,341/mo
Today · 4.125%
HK$51,946
baseline
▲ 0.50% · 4.625%
HK$54,684
+HK$2,738/mo
Deposit HK$9.71M · loan HK$9.71M · min. income ≈ HK$103,892/mo (50% DSR)
Upfront cash ≈ HK$10.44M (deposit + AVD stamp duty HK$728,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,160
−HK$3,333/mo
▼ 0.25% · 3.875%
HK$54,813
−HK$1,680/mo
Today · 4.125%
HK$56,493
baseline
▲ 0.50% · 4.625%
HK$59,931
+HK$3,438/mo
Deposit HK$7.77M · loan HK$11.66M · min. income ≈ HK$112,986/mo (50% DSR)
Upfront cash ≈ HK$8.50M (deposit + AVD stamp duty HK$728,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,140
−HK$3,195/mo
▼ 0.25% · 3.875%
HK$60,726
−HK$1,609/mo
Today · 4.125%
HK$62,335
baseline
▲ 0.50% · 4.625%
HK$65,620
+HK$3,285/mo
Deposit HK$7.77M · loan HK$11.66M · min. income ≈ HK$124,670/mo (50% DSR)
Upfront cash ≈ HK$8.50M (deposit + AVD stamp duty HK$728,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,020
−HK$3,889/mo
▼ 0.25% · 3.875%
HK$63,949
−HK$1,960/mo
Today · 4.125%
HK$65,909
baseline
▲ 0.50% · 4.625%
HK$69,919
+HK$4,010/mo
Deposit HK$5.83M · loan HK$13.60M · min. income ≈ HK$131,818/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$728,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,996
−HK$3,728/mo
▼ 0.25% · 3.875%
HK$70,847
−HK$1,877/mo
Today · 4.125%
HK$72,724
baseline
▲ 0.50% · 4.625%
HK$76,557
+HK$3,833/mo
Deposit HK$5.83M · loan HK$13.60M · min. income ≈ HK$145,448/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$728,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,740
−HK$5,000/mo
▼ 0.25% · 3.875%
HK$82,220
−HK$2,520/mo
Today · 4.125%
HK$84,740
baseline
▲ 0.50% · 4.625%
HK$89,896
+HK$5,156/mo
Deposit HK$1.94M · loan HK$17.48M · min. income ≈ HK$169,480/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$728,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,709
−HK$4,793/mo
▼ 0.25% · 3.875%
HK$91,089
−HK$2,413/mo
Today · 4.125%
HK$93,502
baseline
▲ 0.50% · 4.625%
HK$98,431
+HK$4,929/mo
Deposit HK$1.94M · loan HK$17.48M · min. income ≈ HK$187,004/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$728,533 · Scale 2, in force from 26 Feb 2026)