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$44,305
−HK$2,778/mo
▼ 0.25% · 3.875%
HK$45,683
−HK$1,400/mo
Today · 4.125%
HK$47,083
baseline
▲ 0.50% · 4.625%
HK$49,948
+HK$2,865/mo
Deposit HK$9.71M · loan HK$9.71M · min. income ≈ HK$94,166/mo (50% DSR)
Upfront cash ≈ HK$10.44M (deposit + AVD stamp duty HK$728,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,289
−HK$2,663/mo
▼ 0.25% · 3.875%
HK$50,611
−HK$1,341/mo
Today · 4.125%
HK$51,952
baseline
▲ 0.50% · 4.625%
HK$54,690
+HK$2,738/mo
Deposit HK$9.71M · loan HK$9.71M · min. income ≈ HK$103,904/mo (50% DSR)
Upfront cash ≈ HK$10.44M (deposit + AVD stamp duty HK$728,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,166
−HK$3,334/mo
▼ 0.25% · 3.875%
HK$54,820
−HK$1,680/mo
Today · 4.125%
HK$56,500
baseline
▲ 0.50% · 4.625%
HK$59,938
+HK$3,438/mo
Deposit HK$7.77M · loan HK$11.66M · min. income ≈ HK$113,000/mo (50% DSR)
Upfront cash ≈ HK$8.50M (deposit + AVD stamp duty HK$728,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,146
−HK$3,196/mo
▼ 0.25% · 3.875%
HK$60,733
−HK$1,609/mo
Today · 4.125%
HK$62,342
baseline
▲ 0.50% · 4.625%
HK$65,628
+HK$3,286/mo
Deposit HK$7.77M · loan HK$11.66M · min. income ≈ HK$124,684/mo (50% DSR)
Upfront cash ≈ HK$8.50M (deposit + AVD stamp duty HK$728,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,027
−HK$3,889/mo
▼ 0.25% · 3.875%
HK$63,956
−HK$1,960/mo
Today · 4.125%
HK$65,916
baseline
▲ 0.50% · 4.625%
HK$69,927
+HK$4,011/mo
Deposit HK$5.83M · loan HK$13.60M · min. income ≈ HK$131,832/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$728,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,004
−HK$3,728/mo
▼ 0.25% · 3.875%
HK$70,855
−HK$1,877/mo
Today · 4.125%
HK$72,732
baseline
▲ 0.50% · 4.625%
HK$76,566
+HK$3,834/mo
Deposit HK$5.83M · loan HK$13.60M · min. income ≈ HK$145,464/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$728,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,749
−HK$5,001/mo
▼ 0.25% · 3.875%
HK$82,229
−HK$2,521/mo
Today · 4.125%
HK$84,750
baseline
▲ 0.50% · 4.625%
HK$89,906
+HK$5,156/mo
Deposit HK$1.94M · loan HK$17.49M · min. income ≈ HK$169,500/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$728,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,720
−HK$4,793/mo
▼ 0.25% · 3.875%
HK$91,099
−HK$2,414/mo
Today · 4.125%
HK$93,513
baseline
▲ 0.50% · 4.625%
HK$98,442
+HK$4,929/mo
Deposit HK$1.94M · loan HK$17.49M · min. income ≈ HK$187,026/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$728,616 · Scale 2, in force from 26 Feb 2026)