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$44,087
−HK$2,764/mo
▼ 0.25% · 3.875%
HK$45,458
−HK$1,393/mo
Today · 4.125%
HK$46,851
baseline
▲ 0.50% · 4.625%
HK$49,702
+HK$2,851/mo
Deposit HK$9.67M · loan HK$9.67M · min. income ≈ HK$93,702/mo (50% DSR)
Upfront cash ≈ HK$10.39M (deposit + AVD stamp duty HK$725,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,046
−HK$2,650/mo
▼ 0.25% · 3.875%
HK$50,361
−HK$1,335/mo
Today · 4.125%
HK$51,696
baseline
▲ 0.50% · 4.625%
HK$54,421
+HK$2,725/mo
Deposit HK$9.67M · loan HK$9.67M · min. income ≈ HK$103,392/mo (50% DSR)
Upfront cash ≈ HK$10.39M (deposit + AVD stamp duty HK$725,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,904
−HK$3,318/mo
▼ 0.25% · 3.875%
HK$54,550
−HK$1,672/mo
Today · 4.125%
HK$56,222
baseline
▲ 0.50% · 4.625%
HK$59,643
+HK$3,421/mo
Deposit HK$7.73M · loan HK$11.60M · min. income ≈ HK$112,444/mo (50% DSR)
Upfront cash ≈ HK$8.46M (deposit + AVD stamp duty HK$725,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,855
−HK$3,180/mo
▼ 0.25% · 3.875%
HK$60,434
−HK$1,601/mo
Today · 4.125%
HK$62,035
baseline
▲ 0.50% · 4.625%
HK$65,305
+HK$3,270/mo
Deposit HK$7.73M · loan HK$11.60M · min. income ≈ HK$124,070/mo (50% DSR)
Upfront cash ≈ HK$8.46M (deposit + AVD stamp duty HK$725,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,721
−HK$3,871/mo
▼ 0.25% · 3.875%
HK$63,641
−HK$1,951/mo
Today · 4.125%
HK$65,592
baseline
▲ 0.50% · 4.625%
HK$69,583
+HK$3,991/mo
Deposit HK$5.80M · loan HK$13.53M · min. income ≈ HK$131,184/mo (50% DSR)
Upfront cash ≈ HK$6.53M (deposit + AVD stamp duty HK$725,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,665
−HK$3,709/mo
▼ 0.25% · 3.875%
HK$70,506
−HK$1,868/mo
Today · 4.125%
HK$72,374
baseline
▲ 0.50% · 4.625%
HK$76,189
+HK$3,815/mo
Deposit HK$5.80M · loan HK$13.53M · min. income ≈ HK$144,748/mo (50% DSR)
Upfront cash ≈ HK$6.53M (deposit + AVD stamp duty HK$725,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,356
−HK$4,976/mo
▼ 0.25% · 3.875%
HK$81,825
−HK$2,507/mo
Today · 4.125%
HK$84,332
baseline
▲ 0.50% · 4.625%
HK$89,464
+HK$5,132/mo
Deposit HK$1.93M · loan HK$17.40M · min. income ≈ HK$168,664/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$725,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,283
−HK$4,770/mo
▼ 0.25% · 3.875%
HK$90,651
−HK$2,402/mo
Today · 4.125%
HK$93,053
baseline
▲ 0.50% · 4.625%
HK$97,958
+HK$4,905/mo
Deposit HK$1.93M · loan HK$17.40M · min. income ≈ HK$186,106/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$725,030 · Scale 2, in force from 26 Feb 2026)