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$44,282
−HK$2,777/mo
▼ 0.25% · 3.875%
HK$45,659
−HK$1,400/mo
Today · 4.125%
HK$47,059
baseline
▲ 0.50% · 4.625%
HK$49,922
+HK$2,863/mo
Deposit HK$9.71M · loan HK$9.71M · min. income ≈ HK$94,118/mo (50% DSR)
Upfront cash ≈ HK$10.44M (deposit + AVD stamp duty HK$728,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,263
−HK$2,662/mo
▼ 0.25% · 3.875%
HK$50,584
−HK$1,341/mo
Today · 4.125%
HK$51,925
baseline
▲ 0.50% · 4.625%
HK$54,662
+HK$2,737/mo
Deposit HK$9.71M · loan HK$9.71M · min. income ≈ HK$103,850/mo (50% DSR)
Upfront cash ≈ HK$10.44M (deposit + AVD stamp duty HK$728,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,138
−HK$3,333/mo
▼ 0.25% · 3.875%
HK$54,791
−HK$1,680/mo
Today · 4.125%
HK$56,471
baseline
▲ 0.50% · 4.625%
HK$59,907
+HK$3,436/mo
Deposit HK$7.77M · loan HK$11.65M · min. income ≈ HK$112,942/mo (50% DSR)
Upfront cash ≈ HK$8.50M (deposit + AVD stamp duty HK$728,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,116
−HK$3,194/mo
▼ 0.25% · 3.875%
HK$60,701
−HK$1,609/mo
Today · 4.125%
HK$62,310
baseline
▲ 0.50% · 4.625%
HK$65,594
+HK$3,284/mo
Deposit HK$7.77M · loan HK$11.65M · min. income ≈ HK$124,620/mo (50% DSR)
Upfront cash ≈ HK$8.50M (deposit + AVD stamp duty HK$728,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,995
−HK$3,887/mo
▼ 0.25% · 3.875%
HK$63,923
−HK$1,959/mo
Today · 4.125%
HK$65,882
baseline
▲ 0.50% · 4.625%
HK$69,891
+HK$4,009/mo
Deposit HK$5.83M · loan HK$13.59M · min. income ≈ HK$131,764/mo (50% DSR)
Upfront cash ≈ HK$6.55M (deposit + AVD stamp duty HK$728,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,969
−HK$3,726/mo
▼ 0.25% · 3.875%
HK$70,818
−HK$1,877/mo
Today · 4.125%
HK$72,695
baseline
▲ 0.50% · 4.625%
HK$76,526
+HK$3,831/mo
Deposit HK$5.83M · loan HK$13.59M · min. income ≈ HK$145,390/mo (50% DSR)
Upfront cash ≈ HK$6.55M (deposit + AVD stamp duty HK$728,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,707
−HK$4,999/mo
▼ 0.25% · 3.875%
HK$82,187
−HK$2,519/mo
Today · 4.125%
HK$84,706
baseline
▲ 0.50% · 4.625%
HK$89,860
+HK$5,154/mo
Deposit HK$1.94M · loan HK$17.48M · min. income ≈ HK$169,412/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$728,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,674
−HK$4,791/mo
▼ 0.25% · 3.875%
HK$91,052
−HK$2,413/mo
Today · 4.125%
HK$93,465
baseline
▲ 0.50% · 4.625%
HK$98,391
+HK$4,926/mo
Deposit HK$1.94M · loan HK$17.48M · min. income ≈ HK$186,930/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$728,240 · Scale 2, in force from 26 Feb 2026)