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$44,098
−HK$2,766/mo
▼ 0.25% · 3.875%
HK$45,470
−HK$1,394/mo
Today · 4.125%
HK$46,864
baseline
▲ 0.50% · 4.625%
HK$49,715
+HK$2,851/mo
Deposit HK$9.67M · loan HK$9.67M · min. income ≈ HK$93,728/mo (50% DSR)
Upfront cash ≈ HK$10.39M (deposit + AVD stamp duty HK$725,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,059
−HK$2,650/mo
▼ 0.25% · 3.875%
HK$50,375
−HK$1,334/mo
Today · 4.125%
HK$51,709
baseline
▲ 0.50% · 4.625%
HK$54,435
+HK$2,726/mo
Deposit HK$9.67M · loan HK$9.67M · min. income ≈ HK$103,418/mo (50% DSR)
Upfront cash ≈ HK$10.39M (deposit + AVD stamp duty HK$725,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,918
−HK$3,318/mo
▼ 0.25% · 3.875%
HK$54,564
−HK$1,672/mo
Today · 4.125%
HK$56,236
baseline
▲ 0.50% · 4.625%
HK$59,658
+HK$3,422/mo
Deposit HK$7.74M · loan HK$11.60M · min. income ≈ HK$112,472/mo (50% DSR)
Upfront cash ≈ HK$8.46M (deposit + AVD stamp duty HK$725,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,871
−HK$3,180/mo
▼ 0.25% · 3.875%
HK$60,450
−HK$1,601/mo
Today · 4.125%
HK$62,051
baseline
▲ 0.50% · 4.625%
HK$65,322
+HK$3,271/mo
Deposit HK$7.74M · loan HK$11.60M · min. income ≈ HK$124,102/mo (50% DSR)
Upfront cash ≈ HK$8.46M (deposit + AVD stamp duty HK$725,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,738
−HK$3,871/mo
▼ 0.25% · 3.875%
HK$63,658
−HK$1,951/mo
Today · 4.125%
HK$65,609
baseline
▲ 0.50% · 4.625%
HK$69,601
+HK$3,992/mo
Deposit HK$5.80M · loan HK$13.54M · min. income ≈ HK$131,218/mo (50% DSR)
Upfront cash ≈ HK$6.53M (deposit + AVD stamp duty HK$725,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,682
−HK$3,711/mo
▼ 0.25% · 3.875%
HK$70,524
−HK$1,869/mo
Today · 4.125%
HK$72,393
baseline
▲ 0.50% · 4.625%
HK$76,209
+HK$3,816/mo
Deposit HK$5.80M · loan HK$13.54M · min. income ≈ HK$144,786/mo (50% DSR)
Upfront cash ≈ HK$6.53M (deposit + AVD stamp duty HK$725,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,377
−HK$4,977/mo
▼ 0.25% · 3.875%
HK$81,846
−HK$2,508/mo
Today · 4.125%
HK$84,354
baseline
▲ 0.50% · 4.625%
HK$89,487
+HK$5,133/mo
Deposit HK$1.93M · loan HK$17.41M · min. income ≈ HK$168,708/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$725,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,306
−HK$4,771/mo
▼ 0.25% · 3.875%
HK$90,674
−HK$2,403/mo
Today · 4.125%
HK$93,077
baseline
▲ 0.50% · 4.625%
HK$97,983
+HK$4,906/mo
Deposit HK$1.93M · loan HK$17.41M · min. income ≈ HK$186,154/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$725,219 · Scale 2, in force from 26 Feb 2026)