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$44,033
−HK$2,762/mo
▼ 0.25% · 3.875%
HK$45,403
−HK$1,392/mo
Today · 4.125%
HK$46,795
baseline
▲ 0.50% · 4.625%
HK$49,642
+HK$2,847/mo
Deposit HK$9.66M · loan HK$9.66M · min. income ≈ HK$93,590/mo (50% DSR)
Upfront cash ≈ HK$10.38M (deposit + AVD stamp duty HK$724,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,987
−HK$2,646/mo
▼ 0.25% · 3.875%
HK$50,301
−HK$1,332/mo
Today · 4.125%
HK$51,633
baseline
▲ 0.50% · 4.625%
HK$54,355
+HK$2,722/mo
Deposit HK$9.66M · loan HK$9.66M · min. income ≈ HK$103,266/mo (50% DSR)
Upfront cash ≈ HK$10.38M (deposit + AVD stamp duty HK$724,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,840
−HK$3,314/mo
▼ 0.25% · 3.875%
HK$54,484
−HK$1,670/mo
Today · 4.125%
HK$56,154
baseline
▲ 0.50% · 4.625%
HK$59,570
+HK$3,416/mo
Deposit HK$7.72M · loan HK$11.59M · min. income ≈ HK$112,308/mo (50% DSR)
Upfront cash ≈ HK$8.45M (deposit + AVD stamp duty HK$724,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,784
−HK$3,176/mo
▼ 0.25% · 3.875%
HK$60,361
−HK$1,599/mo
Today · 4.125%
HK$61,960
baseline
▲ 0.50% · 4.625%
HK$65,226
+HK$3,266/mo
Deposit HK$7.72M · loan HK$11.59M · min. income ≈ HK$123,920/mo (50% DSR)
Upfront cash ≈ HK$8.45M (deposit + AVD stamp duty HK$724,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,647
−HK$3,866/mo
▼ 0.25% · 3.875%
HK$63,564
−HK$1,949/mo
Today · 4.125%
HK$65,513
baseline
▲ 0.50% · 4.625%
HK$69,499
+HK$3,986/mo
Deposit HK$5.79M · loan HK$13.52M · min. income ≈ HK$131,026/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$724,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,581
−HK$3,706/mo
▼ 0.25% · 3.875%
HK$70,421
−HK$1,866/mo
Today · 4.125%
HK$72,287
baseline
▲ 0.50% · 4.625%
HK$76,097
+HK$3,810/mo
Deposit HK$5.79M · loan HK$13.52M · min. income ≈ HK$144,574/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$724,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,260
−HK$4,971/mo
▼ 0.25% · 3.875%
HK$81,726
−HK$2,505/mo
Today · 4.125%
HK$84,231
baseline
▲ 0.50% · 4.625%
HK$89,356
+HK$5,125/mo
Deposit HK$1.93M · loan HK$17.38M · min. income ≈ HK$168,462/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$724,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,176
−HK$4,764/mo
▼ 0.25% · 3.875%
HK$90,541
−HK$2,399/mo
Today · 4.125%
HK$92,940
baseline
▲ 0.50% · 4.625%
HK$97,839
+HK$4,899/mo
Deposit HK$1.93M · loan HK$17.38M · min. income ≈ HK$185,880/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$724,153 · Scale 2, in force from 26 Feb 2026)