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$43,960
−HK$2,757/mo
▼ 0.25% · 3.875%
HK$45,328
−HK$1,389/mo
Today · 4.125%
HK$46,717
baseline
▲ 0.50% · 4.625%
HK$49,559
+HK$2,842/mo
Deposit HK$9.64M · loan HK$9.64M · min. income ≈ HK$93,434/mo (50% DSR)
Upfront cash ≈ HK$10.36M (deposit + AVD stamp duty HK$722,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,905
−HK$2,642/mo
▼ 0.25% · 3.875%
HK$50,217
−HK$1,330/mo
Today · 4.125%
HK$51,547
baseline
▲ 0.50% · 4.625%
HK$54,265
+HK$2,718/mo
Deposit HK$9.64M · loan HK$9.64M · min. income ≈ HK$103,094/mo (50% DSR)
Upfront cash ≈ HK$10.36M (deposit + AVD stamp duty HK$722,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,752
−HK$3,308/mo
▼ 0.25% · 3.875%
HK$54,393
−HK$1,667/mo
Today · 4.125%
HK$56,060
baseline
▲ 0.50% · 4.625%
HK$59,471
+HK$3,411/mo
Deposit HK$7.71M · loan HK$11.57M · min. income ≈ HK$112,120/mo (50% DSR)
Upfront cash ≈ HK$8.43M (deposit + AVD stamp duty HK$722,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,686
−HK$3,171/mo
▼ 0.25% · 3.875%
HK$60,260
−HK$1,597/mo
Today · 4.125%
HK$61,857
baseline
▲ 0.50% · 4.625%
HK$65,117
+HK$3,260/mo
Deposit HK$7.71M · loan HK$11.57M · min. income ≈ HK$123,714/mo (50% DSR)
Upfront cash ≈ HK$8.43M (deposit + AVD stamp duty HK$722,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,544
−HK$3,860/mo
▼ 0.25% · 3.875%
HK$63,459
−HK$1,945/mo
Today · 4.125%
HK$65,404
baseline
▲ 0.50% · 4.625%
HK$69,383
+HK$3,979/mo
Deposit HK$5.78M · loan HK$13.50M · min. income ≈ HK$130,808/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$722,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,467
−HK$3,699/mo
▼ 0.25% · 3.875%
HK$70,304
−HK$1,862/mo
Today · 4.125%
HK$72,166
baseline
▲ 0.50% · 4.625%
HK$75,970
+HK$3,804/mo
Deposit HK$5.78M · loan HK$13.50M · min. income ≈ HK$144,332/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$722,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,128
−HK$4,962/mo
▼ 0.25% · 3.875%
HK$81,590
−HK$2,500/mo
Today · 4.125%
HK$84,090
baseline
▲ 0.50% · 4.625%
HK$89,207
+HK$5,117/mo
Deposit HK$1.93M · loan HK$17.35M · min. income ≈ HK$168,180/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$722,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,029
−HK$4,756/mo
▼ 0.25% · 3.875%
HK$90,390
−HK$2,395/mo
Today · 4.125%
HK$92,785
baseline
▲ 0.50% · 4.625%
HK$97,676
+HK$4,891/mo
Deposit HK$1.93M · loan HK$17.35M · min. income ≈ HK$185,570/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$722,948 · Scale 2, in force from 26 Feb 2026)