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$43,957
−HK$2,757/mo
▼ 0.25% · 3.875%
HK$45,325
−HK$1,389/mo
Today · 4.125%
HK$46,714
baseline
▲ 0.50% · 4.625%
HK$49,556
+HK$2,842/mo
Deposit HK$9.64M · loan HK$9.64M · min. income ≈ HK$93,428/mo (50% DSR)
Upfront cash ≈ HK$10.36M (deposit + AVD stamp duty HK$722,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,902
−HK$2,642/mo
▼ 0.25% · 3.875%
HK$50,214
−HK$1,330/mo
Today · 4.125%
HK$51,544
baseline
▲ 0.50% · 4.625%
HK$54,261
+HK$2,717/mo
Deposit HK$9.64M · loan HK$9.64M · min. income ≈ HK$103,088/mo (50% DSR)
Upfront cash ≈ HK$10.36M (deposit + AVD stamp duty HK$722,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,749
−HK$3,308/mo
▼ 0.25% · 3.875%
HK$54,390
−HK$1,667/mo
Today · 4.125%
HK$56,057
baseline
▲ 0.50% · 4.625%
HK$59,468
+HK$3,411/mo
Deposit HK$7.71M · loan HK$11.57M · min. income ≈ HK$112,114/mo (50% DSR)
Upfront cash ≈ HK$8.43M (deposit + AVD stamp duty HK$722,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,683
−HK$3,170/mo
▼ 0.25% · 3.875%
HK$60,256
−HK$1,597/mo
Today · 4.125%
HK$61,853
baseline
▲ 0.50% · 4.625%
HK$65,113
+HK$3,260/mo
Deposit HK$7.71M · loan HK$11.57M · min. income ≈ HK$123,706/mo (50% DSR)
Upfront cash ≈ HK$8.43M (deposit + AVD stamp duty HK$722,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,540
−HK$3,859/mo
▼ 0.25% · 3.875%
HK$63,455
−HK$1,944/mo
Today · 4.125%
HK$65,399
baseline
▲ 0.50% · 4.625%
HK$69,379
+HK$3,980/mo
Deposit HK$5.78M · loan HK$13.49M · min. income ≈ HK$130,798/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$722,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,463
−HK$3,699/mo
▼ 0.25% · 3.875%
HK$70,299
−HK$1,863/mo
Today · 4.125%
HK$72,162
baseline
▲ 0.50% · 4.625%
HK$75,966
+HK$3,804/mo
Deposit HK$5.78M · loan HK$13.49M · min. income ≈ HK$144,324/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$722,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,123
−HK$4,962/mo
▼ 0.25% · 3.875%
HK$81,584
−HK$2,501/mo
Today · 4.125%
HK$84,085
baseline
▲ 0.50% · 4.625%
HK$89,201
+HK$5,116/mo
Deposit HK$1.93M · loan HK$17.35M · min. income ≈ HK$168,170/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$722,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,024
−HK$4,755/mo
▼ 0.25% · 3.875%
HK$90,385
−HK$2,394/mo
Today · 4.125%
HK$92,779
baseline
▲ 0.50% · 4.625%
HK$97,670
+HK$4,891/mo
Deposit HK$1.93M · loan HK$17.35M · min. income ≈ HK$185,558/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$722,902 · Scale 2, in force from 26 Feb 2026)