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$44,144
−HK$2,768/mo
▼ 0.25% · 3.875%
HK$45,517
−HK$1,395/mo
Today · 4.125%
HK$46,912
baseline
▲ 0.50% · 4.625%
HK$49,766
+HK$2,854/mo
Deposit HK$9.68M · loan HK$9.68M · min. income ≈ HK$93,824/mo (50% DSR)
Upfront cash ≈ HK$10.41M (deposit + AVD stamp duty HK$725,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,109
−HK$2,654/mo
▼ 0.25% · 3.875%
HK$50,427
−HK$1,336/mo
Today · 4.125%
HK$51,763
baseline
▲ 0.50% · 4.625%
HK$54,491
+HK$2,728/mo
Deposit HK$9.68M · loan HK$9.68M · min. income ≈ HK$103,526/mo (50% DSR)
Upfront cash ≈ HK$10.41M (deposit + AVD stamp duty HK$725,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,972
−HK$3,322/mo
▼ 0.25% · 3.875%
HK$54,620
−HK$1,674/mo
Today · 4.125%
HK$56,294
baseline
▲ 0.50% · 4.625%
HK$59,720
+HK$3,426/mo
Deposit HK$7.74M · loan HK$11.62M · min. income ≈ HK$112,588/mo (50% DSR)
Upfront cash ≈ HK$8.47M (deposit + AVD stamp duty HK$725,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,931
−HK$3,184/mo
▼ 0.25% · 3.875%
HK$60,512
−HK$1,603/mo
Today · 4.125%
HK$62,115
baseline
▲ 0.50% · 4.625%
HK$65,389
+HK$3,274/mo
Deposit HK$7.74M · loan HK$11.62M · min. income ≈ HK$124,230/mo (50% DSR)
Upfront cash ≈ HK$8.47M (deposit + AVD stamp duty HK$725,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,801
−HK$3,876/mo
▼ 0.25% · 3.875%
HK$63,724
−HK$1,953/mo
Today · 4.125%
HK$65,677
baseline
▲ 0.50% · 4.625%
HK$69,673
+HK$3,996/mo
Deposit HK$5.81M · loan HK$13.55M · min. income ≈ HK$131,354/mo (50% DSR)
Upfront cash ≈ HK$6.53M (deposit + AVD stamp duty HK$725,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,753
−HK$3,715/mo
▼ 0.25% · 3.875%
HK$70,597
−HK$1,871/mo
Today · 4.125%
HK$72,468
baseline
▲ 0.50% · 4.625%
HK$76,288
+HK$3,820/mo
Deposit HK$5.81M · loan HK$13.55M · min. income ≈ HK$144,936/mo (50% DSR)
Upfront cash ≈ HK$6.53M (deposit + AVD stamp duty HK$725,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,459
−HK$4,982/mo
▼ 0.25% · 3.875%
HK$81,930
−HK$2,511/mo
Today · 4.125%
HK$84,441
baseline
▲ 0.50% · 4.625%
HK$89,580
+HK$5,139/mo
Deposit HK$1.94M · loan HK$17.42M · min. income ≈ HK$168,882/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$725,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,397
−HK$4,776/mo
▼ 0.25% · 3.875%
HK$90,768
−HK$2,405/mo
Today · 4.125%
HK$93,173
baseline
▲ 0.50% · 4.625%
HK$98,084
+HK$4,911/mo
Deposit HK$1.94M · loan HK$17.42M · min. income ≈ HK$186,346/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$725,967 · Scale 2, in force from 26 Feb 2026)