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$44,053
−HK$2,763/mo
▼ 0.25% · 3.875%
HK$45,423
−HK$1,393/mo
Today · 4.125%
HK$46,816
baseline
▲ 0.50% · 4.625%
HK$49,664
+HK$2,848/mo
Deposit HK$9.66M · loan HK$9.66M · min. income ≈ HK$93,632/mo (50% DSR)
Upfront cash ≈ HK$10.38M (deposit + AVD stamp duty HK$724,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,009
−HK$2,647/mo
▼ 0.25% · 3.875%
HK$50,323
−HK$1,333/mo
Today · 4.125%
HK$51,656
baseline
▲ 0.50% · 4.625%
HK$54,379
+HK$2,723/mo
Deposit HK$9.66M · loan HK$9.66M · min. income ≈ HK$103,312/mo (50% DSR)
Upfront cash ≈ HK$10.38M (deposit + AVD stamp duty HK$724,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,864
−HK$3,315/mo
▼ 0.25% · 3.875%
HK$54,508
−HK$1,671/mo
Today · 4.125%
HK$56,179
baseline
▲ 0.50% · 4.625%
HK$59,597
+HK$3,418/mo
Deposit HK$7.73M · loan HK$11.59M · min. income ≈ HK$112,358/mo (50% DSR)
Upfront cash ≈ HK$8.45M (deposit + AVD stamp duty HK$724,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,810
−HK$3,178/mo
▼ 0.25% · 3.875%
HK$60,388
−HK$1,600/mo
Today · 4.125%
HK$61,988
baseline
▲ 0.50% · 4.625%
HK$65,255
+HK$3,267/mo
Deposit HK$7.73M · loan HK$11.59M · min. income ≈ HK$123,976/mo (50% DSR)
Upfront cash ≈ HK$8.45M (deposit + AVD stamp duty HK$724,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,674
−HK$3,868/mo
▼ 0.25% · 3.875%
HK$63,593
−HK$1,949/mo
Today · 4.125%
HK$65,542
baseline
▲ 0.50% · 4.625%
HK$69,530
+HK$3,988/mo
Deposit HK$5.80M · loan HK$13.52M · min. income ≈ HK$131,084/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$724,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,612
−HK$3,707/mo
▼ 0.25% · 3.875%
HK$70,452
−HK$1,867/mo
Today · 4.125%
HK$72,319
baseline
▲ 0.50% · 4.625%
HK$76,131
+HK$3,812/mo
Deposit HK$5.80M · loan HK$13.52M · min. income ≈ HK$144,638/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$724,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,296
−HK$4,972/mo
▼ 0.25% · 3.875%
HK$81,762
−HK$2,506/mo
Today · 4.125%
HK$84,268
baseline
▲ 0.50% · 4.625%
HK$89,396
+HK$5,128/mo
Deposit HK$1.93M · loan HK$17.39M · min. income ≈ HK$168,536/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$724,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,216
−HK$4,766/mo
▼ 0.25% · 3.875%
HK$90,582
−HK$2,400/mo
Today · 4.125%
HK$92,982
baseline
▲ 0.50% · 4.625%
HK$97,883
+HK$4,901/mo
Deposit HK$1.93M · loan HK$17.39M · min. income ≈ HK$185,964/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$724,478 · Scale 2, in force from 26 Feb 2026)