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$44,361
−HK$2,782/mo
▼ 0.25% · 3.875%
HK$45,741
−HK$1,402/mo
Today · 4.125%
HK$47,143
baseline
▲ 0.50% · 4.625%
HK$50,011
+HK$2,868/mo
Deposit HK$9.73M · loan HK$9.73M · min. income ≈ HK$94,286/mo (50% DSR)
Upfront cash ≈ HK$10.46M (deposit + AVD stamp duty HK$729,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,351
−HK$2,666/mo
▼ 0.25% · 3.875%
HK$50,674
−HK$1,343/mo
Today · 4.125%
HK$52,017
baseline
▲ 0.50% · 4.625%
HK$54,759
+HK$2,742/mo
Deposit HK$9.73M · loan HK$9.73M · min. income ≈ HK$104,034/mo (50% DSR)
Upfront cash ≈ HK$10.46M (deposit + AVD stamp duty HK$729,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,233
−HK$3,338/mo
▼ 0.25% · 3.875%
HK$54,889
−HK$1,682/mo
Today · 4.125%
HK$56,571
baseline
▲ 0.50% · 4.625%
HK$60,013
+HK$3,442/mo
Deposit HK$7.78M · loan HK$11.67M · min. income ≈ HK$113,142/mo (50% DSR)
Upfront cash ≈ HK$8.51M (deposit + AVD stamp duty HK$729,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,221
−HK$3,200/mo
▼ 0.25% · 3.875%
HK$60,809
−HK$1,612/mo
Today · 4.125%
HK$62,421
baseline
▲ 0.50% · 4.625%
HK$65,711
+HK$3,290/mo
Deposit HK$7.78M · loan HK$11.67M · min. income ≈ HK$124,842/mo (50% DSR)
Upfront cash ≈ HK$8.51M (deposit + AVD stamp duty HK$729,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,105
−HK$3,895/mo
▼ 0.25% · 3.875%
HK$64,037
−HK$1,963/mo
Today · 4.125%
HK$66,000
baseline
▲ 0.50% · 4.625%
HK$70,016
+HK$4,016/mo
Deposit HK$5.84M · loan HK$13.62M · min. income ≈ HK$132,000/mo (50% DSR)
Upfront cash ≈ HK$6.57M (deposit + AVD stamp duty HK$729,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,091
−HK$3,733/mo
▼ 0.25% · 3.875%
HK$70,944
−HK$1,880/mo
Today · 4.125%
HK$72,824
baseline
▲ 0.50% · 4.625%
HK$76,663
+HK$3,839/mo
Deposit HK$5.84M · loan HK$13.62M · min. income ≈ HK$145,648/mo (50% DSR)
Upfront cash ≈ HK$6.57M (deposit + AVD stamp duty HK$729,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,849
−HK$5,008/mo
▼ 0.25% · 3.875%
HK$82,333
−HK$2,524/mo
Today · 4.125%
HK$84,857
baseline
▲ 0.50% · 4.625%
HK$90,020
+HK$5,163/mo
Deposit HK$1.95M · loan HK$17.51M · min. income ≈ HK$169,714/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$729,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,832
−HK$4,799/mo
▼ 0.25% · 3.875%
HK$91,214
−HK$2,417/mo
Today · 4.125%
HK$93,631
baseline
▲ 0.50% · 4.625%
HK$98,566
+HK$4,935/mo
Deposit HK$1.95M · loan HK$17.51M · min. income ≈ HK$187,262/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$729,536 · Scale 2, in force from 26 Feb 2026)