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$43,989
−HK$2,758/mo
▼ 0.25% · 3.875%
HK$45,357
−HK$1,390/mo
Today · 4.125%
HK$46,747
baseline
▲ 0.50% · 4.625%
HK$49,592
+HK$2,845/mo
Deposit HK$9.65M · loan HK$9.65M · min. income ≈ HK$93,494/mo (50% DSR)
Upfront cash ≈ HK$10.37M (deposit + AVD stamp duty HK$723,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,937
−HK$2,644/mo
▼ 0.25% · 3.875%
HK$50,249
−HK$1,332/mo
Today · 4.125%
HK$51,581
baseline
▲ 0.50% · 4.625%
HK$54,300
+HK$2,719/mo
Deposit HK$9.65M · loan HK$9.65M · min. income ≈ HK$103,162/mo (50% DSR)
Upfront cash ≈ HK$10.37M (deposit + AVD stamp duty HK$723,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,786
−HK$3,311/mo
▼ 0.25% · 3.875%
HK$54,428
−HK$1,669/mo
Today · 4.125%
HK$56,097
baseline
▲ 0.50% · 4.625%
HK$59,510
+HK$3,413/mo
Deposit HK$7.72M · loan HK$11.57M · min. income ≈ HK$112,194/mo (50% DSR)
Upfront cash ≈ HK$8.44M (deposit + AVD stamp duty HK$723,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,724
−HK$3,173/mo
▼ 0.25% · 3.875%
HK$60,299
−HK$1,598/mo
Today · 4.125%
HK$61,897
baseline
▲ 0.50% · 4.625%
HK$65,160
+HK$3,263/mo
Deposit HK$7.72M · loan HK$11.57M · min. income ≈ HK$123,794/mo (50% DSR)
Upfront cash ≈ HK$8.44M (deposit + AVD stamp duty HK$723,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,584
−HK$3,862/mo
▼ 0.25% · 3.875%
HK$63,500
−HK$1,946/mo
Today · 4.125%
HK$65,446
baseline
▲ 0.50% · 4.625%
HK$69,428
+HK$3,982/mo
Deposit HK$5.79M · loan HK$13.50M · min. income ≈ HK$130,892/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$723,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,512
−HK$3,701/mo
▼ 0.25% · 3.875%
HK$70,349
−HK$1,864/mo
Today · 4.125%
HK$72,213
baseline
▲ 0.50% · 4.625%
HK$76,020
+HK$3,807/mo
Deposit HK$5.79M · loan HK$13.50M · min. income ≈ HK$144,426/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$723,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,180
−HK$4,965/mo
▼ 0.25% · 3.875%
HK$81,643
−HK$2,502/mo
Today · 4.125%
HK$84,145
baseline
▲ 0.50% · 4.625%
HK$89,265
+HK$5,120/mo
Deposit HK$1.93M · loan HK$17.36M · min. income ≈ HK$168,290/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$723,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,086
−HK$4,760/mo
▼ 0.25% · 3.875%
HK$90,449
−HK$2,397/mo
Today · 4.125%
HK$92,846
baseline
▲ 0.50% · 4.625%
HK$97,740
+HK$4,894/mo
Deposit HK$1.93M · loan HK$17.36M · min. income ≈ HK$185,692/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$723,417 · Scale 2, in force from 26 Feb 2026)