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$44,098
−HK$2,765/mo
▼ 0.25% · 3.875%
HK$45,469
−HK$1,394/mo
Today · 4.125%
HK$46,863
baseline
▲ 0.50% · 4.625%
HK$49,715
+HK$2,852/mo
Deposit HK$9.67M · loan HK$9.67M · min. income ≈ HK$93,726/mo (50% DSR)
Upfront cash ≈ HK$10.39M (deposit + AVD stamp duty HK$725,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,058
−HK$2,651/mo
▼ 0.25% · 3.875%
HK$50,374
−HK$1,335/mo
Today · 4.125%
HK$51,709
baseline
▲ 0.50% · 4.625%
HK$54,434
+HK$2,725/mo
Deposit HK$9.67M · loan HK$9.67M · min. income ≈ HK$103,418/mo (50% DSR)
Upfront cash ≈ HK$10.39M (deposit + AVD stamp duty HK$725,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,917
−HK$3,319/mo
▼ 0.25% · 3.875%
HK$54,563
−HK$1,673/mo
Today · 4.125%
HK$56,236
baseline
▲ 0.50% · 4.625%
HK$59,657
+HK$3,421/mo
Deposit HK$7.74M · loan HK$11.60M · min. income ≈ HK$112,472/mo (50% DSR)
Upfront cash ≈ HK$8.46M (deposit + AVD stamp duty HK$725,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,870
−HK$3,180/mo
▼ 0.25% · 3.875%
HK$60,449
−HK$1,601/mo
Today · 4.125%
HK$62,050
baseline
▲ 0.50% · 4.625%
HK$65,321
+HK$3,271/mo
Deposit HK$7.74M · loan HK$11.60M · min. income ≈ HK$124,100/mo (50% DSR)
Upfront cash ≈ HK$8.46M (deposit + AVD stamp duty HK$725,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,737
−HK$3,871/mo
▼ 0.25% · 3.875%
HK$63,657
−HK$1,951/mo
Today · 4.125%
HK$65,608
baseline
▲ 0.50% · 4.625%
HK$69,600
+HK$3,992/mo
Deposit HK$5.80M · loan HK$13.54M · min. income ≈ HK$131,216/mo (50% DSR)
Upfront cash ≈ HK$6.53M (deposit + AVD stamp duty HK$725,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,682
−HK$3,710/mo
▼ 0.25% · 3.875%
HK$70,524
−HK$1,868/mo
Today · 4.125%
HK$72,392
baseline
▲ 0.50% · 4.625%
HK$76,208
+HK$3,816/mo
Deposit HK$5.80M · loan HK$13.54M · min. income ≈ HK$144,784/mo (50% DSR)
Upfront cash ≈ HK$6.53M (deposit + AVD stamp duty HK$725,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,376
−HK$4,977/mo
▼ 0.25% · 3.875%
HK$81,845
−HK$2,508/mo
Today · 4.125%
HK$84,353
baseline
▲ 0.50% · 4.625%
HK$89,486
+HK$5,133/mo
Deposit HK$1.93M · loan HK$17.41M · min. income ≈ HK$168,706/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$725,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,305
−HK$4,771/mo
▼ 0.25% · 3.875%
HK$90,673
−HK$2,403/mo
Today · 4.125%
HK$93,076
baseline
▲ 0.50% · 4.625%
HK$97,982
+HK$4,906/mo
Deposit HK$1.93M · loan HK$17.41M · min. income ≈ HK$186,152/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$725,210 · Scale 2, in force from 26 Feb 2026)