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$44,321
−HK$2,779/mo
▼ 0.25% · 3.875%
HK$45,699
−HK$1,401/mo
Today · 4.125%
HK$47,100
baseline
▲ 0.50% · 4.625%
HK$49,966
+HK$2,866/mo
Deposit HK$9.72M · loan HK$9.72M · min. income ≈ HK$94,200/mo (50% DSR)
Upfront cash ≈ HK$10.45M (deposit + AVD stamp duty HK$728,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,306
−HK$2,664/mo
▼ 0.25% · 3.875%
HK$50,628
−HK$1,342/mo
Today · 4.125%
HK$51,970
baseline
▲ 0.50% · 4.625%
HK$54,709
+HK$2,739/mo
Deposit HK$9.72M · loan HK$9.72M · min. income ≈ HK$103,940/mo (50% DSR)
Upfront cash ≈ HK$10.45M (deposit + AVD stamp duty HK$728,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,185
−HK$3,335/mo
▼ 0.25% · 3.875%
HK$54,839
−HK$1,681/mo
Today · 4.125%
HK$56,520
baseline
▲ 0.50% · 4.625%
HK$59,959
+HK$3,439/mo
Deposit HK$7.77M · loan HK$11.66M · min. income ≈ HK$113,040/mo (50% DSR)
Upfront cash ≈ HK$8.50M (deposit + AVD stamp duty HK$728,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,167
−HK$3,197/mo
▼ 0.25% · 3.875%
HK$60,754
−HK$1,610/mo
Today · 4.125%
HK$62,364
baseline
▲ 0.50% · 4.625%
HK$65,651
+HK$3,287/mo
Deposit HK$7.77M · loan HK$11.66M · min. income ≈ HK$124,728/mo (50% DSR)
Upfront cash ≈ HK$8.50M (deposit + AVD stamp duty HK$728,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,049
−HK$3,891/mo
▼ 0.25% · 3.875%
HK$63,979
−HK$1,961/mo
Today · 4.125%
HK$65,940
baseline
▲ 0.50% · 4.625%
HK$69,952
+HK$4,012/mo
Deposit HK$5.83M · loan HK$13.61M · min. income ≈ HK$131,880/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$728,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,029
−HK$3,729/mo
▼ 0.25% · 3.875%
HK$70,880
−HK$1,878/mo
Today · 4.125%
HK$72,758
baseline
▲ 0.50% · 4.625%
HK$76,593
+HK$3,835/mo
Deposit HK$5.83M · loan HK$13.61M · min. income ≈ HK$145,516/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$728,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,777
−HK$5,003/mo
▼ 0.25% · 3.875%
HK$82,258
−HK$2,522/mo
Today · 4.125%
HK$84,780
baseline
▲ 0.50% · 4.625%
HK$89,938
+HK$5,158/mo
Deposit HK$1.94M · loan HK$17.49M · min. income ≈ HK$169,560/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$728,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,751
−HK$4,795/mo
▼ 0.25% · 3.875%
HK$91,131
−HK$2,415/mo
Today · 4.125%
HK$93,546
baseline
▲ 0.50% · 4.625%
HK$98,477
+HK$4,931/mo
Deposit HK$1.94M · loan HK$17.49M · min. income ≈ HK$187,092/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$728,874 · Scale 2, in force from 26 Feb 2026)