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$44,330
−HK$2,780/mo
▼ 0.25% · 3.875%
HK$45,709
−HK$1,401/mo
Today · 4.125%
HK$47,110
baseline
▲ 0.50% · 4.625%
HK$49,977
+HK$2,867/mo
Deposit HK$9.72M · loan HK$9.72M · min. income ≈ HK$94,220/mo (50% DSR)
Upfront cash ≈ HK$10.45M (deposit + AVD stamp duty HK$729,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,317
−HK$2,665/mo
▼ 0.25% · 3.875%
HK$50,640
−HK$1,342/mo
Today · 4.125%
HK$51,982
baseline
▲ 0.50% · 4.625%
HK$54,722
+HK$2,740/mo
Deposit HK$9.72M · loan HK$9.72M · min. income ≈ HK$103,964/mo (50% DSR)
Upfront cash ≈ HK$10.45M (deposit + AVD stamp duty HK$729,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,197
−HK$3,335/mo
▼ 0.25% · 3.875%
HK$54,851
−HK$1,681/mo
Today · 4.125%
HK$56,532
baseline
▲ 0.50% · 4.625%
HK$59,972
+HK$3,440/mo
Deposit HK$7.78M · loan HK$11.66M · min. income ≈ HK$113,064/mo (50% DSR)
Upfront cash ≈ HK$8.51M (deposit + AVD stamp duty HK$729,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,181
−HK$3,197/mo
▼ 0.25% · 3.875%
HK$60,768
−HK$1,610/mo
Today · 4.125%
HK$62,378
baseline
▲ 0.50% · 4.625%
HK$65,666
+HK$3,288/mo
Deposit HK$7.78M · loan HK$11.66M · min. income ≈ HK$124,756/mo (50% DSR)
Upfront cash ≈ HK$8.51M (deposit + AVD stamp duty HK$729,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,063
−HK$3,891/mo
▼ 0.25% · 3.875%
HK$63,993
−HK$1,961/mo
Today · 4.125%
HK$65,954
baseline
▲ 0.50% · 4.625%
HK$69,968
+HK$4,014/mo
Deposit HK$5.83M · loan HK$13.61M · min. income ≈ HK$131,908/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$729,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,044
−HK$3,730/mo
▼ 0.25% · 3.875%
HK$70,896
−HK$1,878/mo
Today · 4.125%
HK$72,774
baseline
▲ 0.50% · 4.625%
HK$76,610
+HK$3,836/mo
Deposit HK$5.83M · loan HK$13.61M · min. income ≈ HK$145,548/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$729,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,795
−HK$5,004/mo
▼ 0.25% · 3.875%
HK$82,277
−HK$2,522/mo
Today · 4.125%
HK$84,799
baseline
▲ 0.50% · 4.625%
HK$89,958
+HK$5,159/mo
Deposit HK$1.94M · loan HK$17.50M · min. income ≈ HK$169,598/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$729,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,771
−HK$4,796/mo
▼ 0.25% · 3.875%
HK$91,152
−HK$2,415/mo
Today · 4.125%
HK$93,567
baseline
▲ 0.50% · 4.625%
HK$98,499
+HK$4,932/mo
Deposit HK$1.94M · loan HK$17.50M · min. income ≈ HK$187,134/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$729,037 · Scale 2, in force from 26 Feb 2026)