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$44,129
−HK$2,767/mo
▼ 0.25% · 3.875%
HK$45,501
−HK$1,395/mo
Today · 4.125%
HK$46,896
baseline
▲ 0.50% · 4.625%
HK$49,749
+HK$2,853/mo
Deposit HK$9.68M · loan HK$9.68M · min. income ≈ HK$93,792/mo (50% DSR)
Upfront cash ≈ HK$10.40M (deposit + AVD stamp duty HK$725,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,093
−HK$2,652/mo
▼ 0.25% · 3.875%
HK$50,409
−HK$1,336/mo
Today · 4.125%
HK$51,745
baseline
▲ 0.50% · 4.625%
HK$54,473
+HK$2,728/mo
Deposit HK$9.68M · loan HK$9.68M · min. income ≈ HK$103,490/mo (50% DSR)
Upfront cash ≈ HK$10.40M (deposit + AVD stamp duty HK$725,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,954
−HK$3,321/mo
▼ 0.25% · 3.875%
HK$54,602
−HK$1,673/mo
Today · 4.125%
HK$56,275
baseline
▲ 0.50% · 4.625%
HK$59,699
+HK$3,424/mo
Deposit HK$7.74M · loan HK$11.61M · min. income ≈ HK$112,550/mo (50% DSR)
Upfront cash ≈ HK$8.47M (deposit + AVD stamp duty HK$725,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,911
−HK$3,183/mo
▼ 0.25% · 3.875%
HK$60,491
−HK$1,603/mo
Today · 4.125%
HK$62,094
baseline
▲ 0.50% · 4.625%
HK$65,367
+HK$3,273/mo
Deposit HK$7.74M · loan HK$11.61M · min. income ≈ HK$124,188/mo (50% DSR)
Upfront cash ≈ HK$8.47M (deposit + AVD stamp duty HK$725,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,780
−HK$3,874/mo
▼ 0.25% · 3.875%
HK$63,702
−HK$1,952/mo
Today · 4.125%
HK$65,654
baseline
▲ 0.50% · 4.625%
HK$69,649
+HK$3,995/mo
Deposit HK$5.81M · loan HK$13.55M · min. income ≈ HK$131,308/mo (50% DSR)
Upfront cash ≈ HK$6.53M (deposit + AVD stamp duty HK$725,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,730
−HK$3,713/mo
▼ 0.25% · 3.875%
HK$70,573
−HK$1,870/mo
Today · 4.125%
HK$72,443
baseline
▲ 0.50% · 4.625%
HK$76,262
+HK$3,819/mo
Deposit HK$5.81M · loan HK$13.55M · min. income ≈ HK$144,886/mo (50% DSR)
Upfront cash ≈ HK$6.53M (deposit + AVD stamp duty HK$725,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,432
−HK$4,981/mo
▼ 0.25% · 3.875%
HK$81,902
−HK$2,511/mo
Today · 4.125%
HK$84,413
baseline
▲ 0.50% · 4.625%
HK$89,549
+HK$5,136/mo
Deposit HK$1.94M · loan HK$17.42M · min. income ≈ HK$168,826/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$725,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,367
−HK$4,774/mo
▼ 0.25% · 3.875%
HK$90,737
−HK$2,404/mo
Today · 4.125%
HK$93,141
baseline
▲ 0.50% · 4.625%
HK$98,051
+HK$4,910/mo
Deposit HK$1.94M · loan HK$17.42M · min. income ≈ HK$186,282/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$725,720 · Scale 2, in force from 26 Feb 2026)