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$44,332
−HK$2,780/mo
▼ 0.25% · 3.875%
HK$45,711
−HK$1,401/mo
Today · 4.125%
HK$47,112
baseline
▲ 0.50% · 4.625%
HK$49,979
+HK$2,867/mo
Deposit HK$9.72M · loan HK$9.72M · min. income ≈ HK$94,224/mo (50% DSR)
Upfront cash ≈ HK$10.45M (deposit + AVD stamp duty HK$729,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,319
−HK$2,665/mo
▼ 0.25% · 3.875%
HK$50,642
−HK$1,342/mo
Today · 4.125%
HK$51,984
baseline
▲ 0.50% · 4.625%
HK$54,724
+HK$2,740/mo
Deposit HK$9.72M · loan HK$9.72M · min. income ≈ HK$103,968/mo (50% DSR)
Upfront cash ≈ HK$10.45M (deposit + AVD stamp duty HK$729,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,198
−HK$3,336/mo
▼ 0.25% · 3.875%
HK$54,853
−HK$1,681/mo
Today · 4.125%
HK$56,534
baseline
▲ 0.50% · 4.625%
HK$59,974
+HK$3,440/mo
Deposit HK$7.78M · loan HK$11.67M · min. income ≈ HK$113,068/mo (50% DSR)
Upfront cash ≈ HK$8.51M (deposit + AVD stamp duty HK$729,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,183
−HK$3,197/mo
▼ 0.25% · 3.875%
HK$60,770
−HK$1,610/mo
Today · 4.125%
HK$62,380
baseline
▲ 0.50% · 4.625%
HK$65,668
+HK$3,288/mo
Deposit HK$7.78M · loan HK$11.67M · min. income ≈ HK$124,760/mo (50% DSR)
Upfront cash ≈ HK$8.51M (deposit + AVD stamp duty HK$729,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,065
−HK$3,892/mo
▼ 0.25% · 3.875%
HK$63,995
−HK$1,962/mo
Today · 4.125%
HK$65,957
baseline
▲ 0.50% · 4.625%
HK$69,970
+HK$4,013/mo
Deposit HK$5.83M · loan HK$13.61M · min. income ≈ HK$131,914/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$729,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,047
−HK$3,730/mo
▼ 0.25% · 3.875%
HK$70,898
−HK$1,879/mo
Today · 4.125%
HK$72,777
baseline
▲ 0.50% · 4.625%
HK$76,613
+HK$3,836/mo
Deposit HK$5.83M · loan HK$13.61M · min. income ≈ HK$145,554/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$729,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,798
−HK$5,004/mo
▼ 0.25% · 3.875%
HK$82,280
−HK$2,522/mo
Today · 4.125%
HK$84,802
baseline
▲ 0.50% · 4.625%
HK$89,962
+HK$5,160/mo
Deposit HK$1.94M · loan HK$17.50M · min. income ≈ HK$169,604/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$729,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,774
−HK$4,796/mo
▼ 0.25% · 3.875%
HK$91,155
−HK$2,415/mo
Today · 4.125%
HK$93,570
baseline
▲ 0.50% · 4.625%
HK$98,503
+HK$4,933/mo
Deposit HK$1.94M · loan HK$17.50M · min. income ≈ HK$187,140/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$729,064 · Scale 2, in force from 26 Feb 2026)