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$44,296
−HK$2,778/mo
▼ 0.25% · 3.875%
HK$45,674
−HK$1,400/mo
Today · 4.125%
HK$47,074
baseline
▲ 0.50% · 4.625%
HK$49,938
+HK$2,864/mo
Deposit HK$9.71M · loan HK$9.71M · min. income ≈ HK$94,148/mo (50% DSR)
Upfront cash ≈ HK$10.44M (deposit + AVD stamp duty HK$728,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,279
−HK$2,663/mo
▼ 0.25% · 3.875%
HK$50,601
−HK$1,341/mo
Today · 4.125%
HK$51,942
baseline
▲ 0.50% · 4.625%
HK$54,680
+HK$2,738/mo
Deposit HK$9.71M · loan HK$9.71M · min. income ≈ HK$103,884/mo (50% DSR)
Upfront cash ≈ HK$10.44M (deposit + AVD stamp duty HK$728,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,156
−HK$3,333/mo
▼ 0.25% · 3.875%
HK$54,809
−HK$1,680/mo
Today · 4.125%
HK$56,489
baseline
▲ 0.50% · 4.625%
HK$59,926
+HK$3,437/mo
Deposit HK$7.77M · loan HK$11.66M · min. income ≈ HK$112,978/mo (50% DSR)
Upfront cash ≈ HK$8.50M (deposit + AVD stamp duty HK$728,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,135
−HK$3,195/mo
▼ 0.25% · 3.875%
HK$60,721
−HK$1,609/mo
Today · 4.125%
HK$62,330
baseline
▲ 0.50% · 4.625%
HK$65,615
+HK$3,285/mo
Deposit HK$7.77M · loan HK$11.66M · min. income ≈ HK$124,660/mo (50% DSR)
Upfront cash ≈ HK$8.50M (deposit + AVD stamp duty HK$728,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,015
−HK$3,889/mo
▼ 0.25% · 3.875%
HK$63,944
−HK$1,960/mo
Today · 4.125%
HK$65,904
baseline
▲ 0.50% · 4.625%
HK$69,914
+HK$4,010/mo
Deposit HK$5.83M · loan HK$13.60M · min. income ≈ HK$131,808/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$728,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,991
−HK$3,727/mo
▼ 0.25% · 3.875%
HK$70,841
−HK$1,877/mo
Today · 4.125%
HK$72,718
baseline
▲ 0.50% · 4.625%
HK$76,551
+HK$3,833/mo
Deposit HK$5.83M · loan HK$13.60M · min. income ≈ HK$145,436/mo (50% DSR)
Upfront cash ≈ HK$6.56M (deposit + AVD stamp duty HK$728,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,733
−HK$5,000/mo
▼ 0.25% · 3.875%
HK$82,214
−HK$2,519/mo
Today · 4.125%
HK$84,733
baseline
▲ 0.50% · 4.625%
HK$89,889
+HK$5,156/mo
Deposit HK$1.94M · loan HK$17.48M · min. income ≈ HK$169,466/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$728,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,703
−HK$4,792/mo
▼ 0.25% · 3.875%
HK$91,082
−HK$2,413/mo
Today · 4.125%
HK$93,495
baseline
▲ 0.50% · 4.625%
HK$98,423
+HK$4,928/mo
Deposit HK$1.94M · loan HK$17.48M · min. income ≈ HK$186,990/mo (50% DSR)
Upfront cash ≈ HK$2.67M (deposit + AVD stamp duty HK$728,477 · Scale 2, in force from 26 Feb 2026)