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$44,125
−HK$2,767/mo
▼ 0.25% · 3.875%
HK$45,497
−HK$1,395/mo
Today · 4.125%
HK$46,892
baseline
▲ 0.50% · 4.625%
HK$49,745
+HK$2,853/mo
Deposit HK$9.68M · loan HK$9.68M · min. income ≈ HK$93,784/mo (50% DSR)
Upfront cash ≈ HK$10.40M (deposit + AVD stamp duty HK$725,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,088
−HK$2,652/mo
▼ 0.25% · 3.875%
HK$50,405
−HK$1,335/mo
Today · 4.125%
HK$51,740
baseline
▲ 0.50% · 4.625%
HK$54,468
+HK$2,728/mo
Deposit HK$9.68M · loan HK$9.68M · min. income ≈ HK$103,480/mo (50% DSR)
Upfront cash ≈ HK$10.40M (deposit + AVD stamp duty HK$725,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,950
−HK$3,320/mo
▼ 0.25% · 3.875%
HK$54,597
−HK$1,673/mo
Today · 4.125%
HK$56,270
baseline
▲ 0.50% · 4.625%
HK$59,694
+HK$3,424/mo
Deposit HK$7.74M · loan HK$11.61M · min. income ≈ HK$112,540/mo (50% DSR)
Upfront cash ≈ HK$8.47M (deposit + AVD stamp duty HK$725,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,906
−HK$3,183/mo
▼ 0.25% · 3.875%
HK$60,486
−HK$1,603/mo
Today · 4.125%
HK$62,089
baseline
▲ 0.50% · 4.625%
HK$65,361
+HK$3,272/mo
Deposit HK$7.74M · loan HK$11.61M · min. income ≈ HK$124,178/mo (50% DSR)
Upfront cash ≈ HK$8.47M (deposit + AVD stamp duty HK$725,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,775
−HK$3,874/mo
▼ 0.25% · 3.875%
HK$63,696
−HK$1,953/mo
Today · 4.125%
HK$65,649
baseline
▲ 0.50% · 4.625%
HK$69,643
+HK$3,994/mo
Deposit HK$5.81M · loan HK$13.55M · min. income ≈ HK$131,298/mo (50% DSR)
Upfront cash ≈ HK$6.53M (deposit + AVD stamp duty HK$725,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,724
−HK$3,713/mo
▼ 0.25% · 3.875%
HK$70,567
−HK$1,870/mo
Today · 4.125%
HK$72,437
baseline
▲ 0.50% · 4.625%
HK$76,255
+HK$3,818/mo
Deposit HK$5.81M · loan HK$13.55M · min. income ≈ HK$144,874/mo (50% DSR)
Upfront cash ≈ HK$6.53M (deposit + AVD stamp duty HK$725,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,425
−HK$4,980/mo
▼ 0.25% · 3.875%
HK$81,895
−HK$2,510/mo
Today · 4.125%
HK$84,405
baseline
▲ 0.50% · 4.625%
HK$89,541
+HK$5,136/mo
Deposit HK$1.94M · loan HK$17.42M · min. income ≈ HK$168,810/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$725,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,359
−HK$4,774/mo
▼ 0.25% · 3.875%
HK$90,729
−HK$2,404/mo
Today · 4.125%
HK$93,133
baseline
▲ 0.50% · 4.625%
HK$98,042
+HK$4,909/mo
Deposit HK$1.94M · loan HK$17.42M · min. income ≈ HK$186,266/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$725,655 · Scale 2, in force from 26 Feb 2026)