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$44,329
−HK$2,780/mo
▼ 0.25% · 3.875%
HK$45,708
−HK$1,401/mo
Today · 4.125%
HK$47,109
baseline
▲ 0.50% · 4.625%
HK$49,975
+HK$2,866/mo
Deposit HK$9.72M · loan HK$9.72M · min. income ≈ HK$94,218/mo (50% DSR)
Upfront cash ≈ HK$10.45M (deposit + AVD stamp duty HK$729,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,316
−HK$2,664/mo
▼ 0.25% · 3.875%
HK$50,638
−HK$1,342/mo
Today · 4.125%
HK$51,980
baseline
▲ 0.50% · 4.625%
HK$54,720
+HK$2,740/mo
Deposit HK$9.72M · loan HK$9.72M · min. income ≈ HK$103,960/mo (50% DSR)
Upfront cash ≈ HK$10.45M (deposit + AVD stamp duty HK$729,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,195
−HK$3,336/mo
▼ 0.25% · 3.875%
HK$54,850
−HK$1,681/mo
Today · 4.125%
HK$56,531
baseline
▲ 0.50% · 4.625%
HK$59,970
+HK$3,439/mo
Deposit HK$7.78M · loan HK$11.66M · min. income ≈ HK$113,062/mo (50% DSR)
Upfront cash ≈ HK$8.51M (deposit + AVD stamp duty HK$729,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,179
−HK$3,197/mo
▼ 0.25% · 3.875%
HK$60,766
−HK$1,610/mo
Today · 4.125%
HK$62,376
baseline
▲ 0.50% · 4.625%
HK$65,664
+HK$3,288/mo
Deposit HK$7.78M · loan HK$11.66M · min. income ≈ HK$124,752/mo (50% DSR)
Upfront cash ≈ HK$8.51M (deposit + AVD stamp duty HK$729,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,061
−HK$3,892/mo
▼ 0.25% · 3.875%
HK$63,991
−HK$1,962/mo
Today · 4.125%
HK$65,953
baseline
▲ 0.50% · 4.625%
HK$69,966
+HK$4,013/mo
Deposit HK$5.83M · loan HK$13.61M · min. income ≈ HK$131,906/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$729,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,042
−HK$3,730/mo
▼ 0.25% · 3.875%
HK$70,894
−HK$1,878/mo
Today · 4.125%
HK$72,772
baseline
▲ 0.50% · 4.625%
HK$76,608
+HK$3,836/mo
Deposit HK$5.83M · loan HK$13.61M · min. income ≈ HK$145,544/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$729,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,792
−HK$5,004/mo
▼ 0.25% · 3.875%
HK$82,274
−HK$2,522/mo
Today · 4.125%
HK$84,796
baseline
▲ 0.50% · 4.625%
HK$89,956
+HK$5,160/mo
Deposit HK$1.94M · loan HK$17.50M · min. income ≈ HK$169,592/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$729,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,768
−HK$4,796/mo
▼ 0.25% · 3.875%
HK$91,149
−HK$2,415/mo
Today · 4.125%
HK$93,564
baseline
▲ 0.50% · 4.625%
HK$98,496
+HK$4,932/mo
Deposit HK$1.94M · loan HK$17.50M · min. income ≈ HK$187,128/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$729,016 · Scale 2, in force from 26 Feb 2026)