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$44,056
−HK$2,763/mo
▼ 0.25% · 3.875%
HK$45,426
−HK$1,393/mo
Today · 4.125%
HK$46,819
baseline
▲ 0.50% · 4.625%
HK$49,668
+HK$2,849/mo
Deposit HK$9.66M · loan HK$9.66M · min. income ≈ HK$93,638/mo (50% DSR)
Upfront cash ≈ HK$10.38M (deposit + AVD stamp duty HK$724,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,012
−HK$2,648/mo
▼ 0.25% · 3.875%
HK$50,326
−HK$1,334/mo
Today · 4.125%
HK$51,660
baseline
▲ 0.50% · 4.625%
HK$54,383
+HK$2,723/mo
Deposit HK$9.66M · loan HK$9.66M · min. income ≈ HK$103,320/mo (50% DSR)
Upfront cash ≈ HK$10.38M (deposit + AVD stamp duty HK$724,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,867
−HK$3,315/mo
▼ 0.25% · 3.875%
HK$54,512
−HK$1,670/mo
Today · 4.125%
HK$56,182
baseline
▲ 0.50% · 4.625%
HK$59,601
+HK$3,419/mo
Deposit HK$7.73M · loan HK$11.59M · min. income ≈ HK$112,364/mo (50% DSR)
Upfront cash ≈ HK$8.45M (deposit + AVD stamp duty HK$724,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,814
−HK$3,178/mo
▼ 0.25% · 3.875%
HK$60,392
−HK$1,600/mo
Today · 4.125%
HK$61,992
baseline
▲ 0.50% · 4.625%
HK$65,259
+HK$3,267/mo
Deposit HK$7.73M · loan HK$11.59M · min. income ≈ HK$123,984/mo (50% DSR)
Upfront cash ≈ HK$8.45M (deposit + AVD stamp duty HK$724,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,678
−HK$3,868/mo
▼ 0.25% · 3.875%
HK$63,597
−HK$1,949/mo
Today · 4.125%
HK$65,546
baseline
▲ 0.50% · 4.625%
HK$69,535
+HK$3,989/mo
Deposit HK$5.80M · loan HK$13.52M · min. income ≈ HK$131,092/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$724,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,617
−HK$3,707/mo
▼ 0.25% · 3.875%
HK$70,457
−HK$1,867/mo
Today · 4.125%
HK$72,324
baseline
▲ 0.50% · 4.625%
HK$76,136
+HK$3,812/mo
Deposit HK$5.80M · loan HK$13.52M · min. income ≈ HK$144,648/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$724,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,301
−HK$4,973/mo
▼ 0.25% · 3.875%
HK$81,768
−HK$2,506/mo
Today · 4.125%
HK$84,274
baseline
▲ 0.50% · 4.625%
HK$89,402
+HK$5,128/mo
Deposit HK$1.93M · loan HK$17.39M · min. income ≈ HK$168,548/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$724,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,221
−HK$4,767/mo
▼ 0.25% · 3.875%
HK$90,587
−HK$2,401/mo
Today · 4.125%
HK$92,988
baseline
▲ 0.50% · 4.625%
HK$97,889
+HK$4,901/mo
Deposit HK$1.93M · loan HK$17.39M · min. income ≈ HK$185,976/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$724,525 · Scale 2, in force from 26 Feb 2026)