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$44,146
−HK$2,768/mo
▼ 0.25% · 3.875%
HK$45,519
−HK$1,395/mo
Today · 4.125%
HK$46,914
baseline
▲ 0.50% · 4.625%
HK$49,769
+HK$2,855/mo
Deposit HK$9.68M · loan HK$9.68M · min. income ≈ HK$93,828/mo (50% DSR)
Upfront cash ≈ HK$10.41M (deposit + AVD stamp duty HK$725,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,112
−HK$2,653/mo
▼ 0.25% · 3.875%
HK$50,429
−HK$1,336/mo
Today · 4.125%
HK$51,765
baseline
▲ 0.50% · 4.625%
HK$54,494
+HK$2,729/mo
Deposit HK$9.68M · loan HK$9.68M · min. income ≈ HK$103,530/mo (50% DSR)
Upfront cash ≈ HK$10.41M (deposit + AVD stamp duty HK$725,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,975
−HK$3,322/mo
▼ 0.25% · 3.875%
HK$54,623
−HK$1,674/mo
Today · 4.125%
HK$56,297
baseline
▲ 0.50% · 4.625%
HK$59,722
+HK$3,425/mo
Deposit HK$7.74M · loan HK$11.62M · min. income ≈ HK$112,594/mo (50% DSR)
Upfront cash ≈ HK$8.47M (deposit + AVD stamp duty HK$725,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,934
−HK$3,184/mo
▼ 0.25% · 3.875%
HK$60,514
−HK$1,604/mo
Today · 4.125%
HK$62,118
baseline
▲ 0.50% · 4.625%
HK$65,392
+HK$3,274/mo
Deposit HK$7.74M · loan HK$11.62M · min. income ≈ HK$124,236/mo (50% DSR)
Upfront cash ≈ HK$8.47M (deposit + AVD stamp duty HK$725,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,804
−HK$3,876/mo
▼ 0.25% · 3.875%
HK$63,726
−HK$1,954/mo
Today · 4.125%
HK$65,680
baseline
▲ 0.50% · 4.625%
HK$69,676
+HK$3,996/mo
Deposit HK$5.81M · loan HK$13.55M · min. income ≈ HK$131,360/mo (50% DSR)
Upfront cash ≈ HK$6.53M (deposit + AVD stamp duty HK$725,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,756
−HK$3,715/mo
▼ 0.25% · 3.875%
HK$70,600
−HK$1,871/mo
Today · 4.125%
HK$72,471
baseline
▲ 0.50% · 4.625%
HK$76,291
+HK$3,820/mo
Deposit HK$5.81M · loan HK$13.55M · min. income ≈ HK$144,942/mo (50% DSR)
Upfront cash ≈ HK$6.53M (deposit + AVD stamp duty HK$725,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,462
−HK$4,983/mo
▼ 0.25% · 3.875%
HK$81,934
−HK$2,511/mo
Today · 4.125%
HK$84,445
baseline
▲ 0.50% · 4.625%
HK$89,583
+HK$5,138/mo
Deposit HK$1.94M · loan HK$17.42M · min. income ≈ HK$168,890/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$725,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,401
−HK$4,776/mo
▼ 0.25% · 3.875%
HK$90,772
−HK$2,405/mo
Today · 4.125%
HK$93,177
baseline
▲ 0.50% · 4.625%
HK$98,088
+HK$4,911/mo
Deposit HK$1.94M · loan HK$17.42M · min. income ≈ HK$186,354/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$725,998 · Scale 2, in force from 26 Feb 2026)