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$44,313
−HK$2,779/mo
▼ 0.25% · 3.875%
HK$45,691
−HK$1,401/mo
Today · 4.125%
HK$47,092
baseline
▲ 0.50% · 4.625%
HK$49,957
+HK$2,865/mo
Deposit HK$9.72M · loan HK$9.72M · min. income ≈ HK$94,184/mo (50% DSR)
Upfront cash ≈ HK$10.45M (deposit + AVD stamp duty HK$728,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,298
−HK$2,663/mo
▼ 0.25% · 3.875%
HK$50,620
−HK$1,341/mo
Today · 4.125%
HK$51,961
baseline
▲ 0.50% · 4.625%
HK$54,700
+HK$2,739/mo
Deposit HK$9.72M · loan HK$9.72M · min. income ≈ HK$103,922/mo (50% DSR)
Upfront cash ≈ HK$10.45M (deposit + AVD stamp duty HK$728,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,176
−HK$3,334/mo
▼ 0.25% · 3.875%
HK$54,830
−HK$1,680/mo
Today · 4.125%
HK$56,510
baseline
▲ 0.50% · 4.625%
HK$59,949
+HK$3,439/mo
Deposit HK$7.77M · loan HK$11.66M · min. income ≈ HK$113,020/mo (50% DSR)
Upfront cash ≈ HK$8.50M (deposit + AVD stamp duty HK$728,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,157
−HK$3,197/mo
▼ 0.25% · 3.875%
HK$60,744
−HK$1,610/mo
Today · 4.125%
HK$62,354
baseline
▲ 0.50% · 4.625%
HK$65,640
+HK$3,286/mo
Deposit HK$7.77M · loan HK$11.66M · min. income ≈ HK$124,708/mo (50% DSR)
Upfront cash ≈ HK$8.50M (deposit + AVD stamp duty HK$728,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,038
−HK$3,891/mo
▼ 0.25% · 3.875%
HK$63,968
−HK$1,961/mo
Today · 4.125%
HK$65,929
baseline
▲ 0.50% · 4.625%
HK$69,940
+HK$4,011/mo
Deposit HK$5.83M · loan HK$13.60M · min. income ≈ HK$131,858/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$728,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,017
−HK$3,729/mo
▼ 0.25% · 3.875%
HK$70,868
−HK$1,878/mo
Today · 4.125%
HK$72,746
baseline
▲ 0.50% · 4.625%
HK$76,580
+HK$3,834/mo
Deposit HK$5.83M · loan HK$13.60M · min. income ≈ HK$145,492/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$728,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,764
−HK$5,001/mo
▼ 0.25% · 3.875%
HK$82,245
−HK$2,520/mo
Today · 4.125%
HK$84,765
baseline
▲ 0.50% · 4.625%
HK$89,923
+HK$5,158/mo
Deposit HK$1.94M · loan HK$17.49M · min. income ≈ HK$169,530/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$728,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,736
−HK$4,794/mo
▼ 0.25% · 3.875%
HK$91,116
−HK$2,414/mo
Today · 4.125%
HK$93,530
baseline
▲ 0.50% · 4.625%
HK$98,460
+HK$4,930/mo
Deposit HK$1.94M · loan HK$17.49M · min. income ≈ HK$187,060/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$728,752 · Scale 2, in force from 26 Feb 2026)