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$43,905
−HK$2,753/mo
▼ 0.25% · 3.875%
HK$45,271
−HK$1,387/mo
Today · 4.125%
HK$46,658
baseline
▲ 0.50% · 4.625%
HK$49,497
+HK$2,839/mo
Deposit HK$9.63M · loan HK$9.63M · min. income ≈ HK$93,316/mo (50% DSR)
Upfront cash ≈ HK$10.35M (deposit + AVD stamp duty HK$722,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,844
−HK$2,639/mo
▼ 0.25% · 3.875%
HK$50,154
−HK$1,329/mo
Today · 4.125%
HK$51,483
baseline
▲ 0.50% · 4.625%
HK$54,197
+HK$2,714/mo
Deposit HK$9.63M · loan HK$9.63M · min. income ≈ HK$102,966/mo (50% DSR)
Upfront cash ≈ HK$10.35M (deposit + AVD stamp duty HK$722,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,686
−HK$3,304/mo
▼ 0.25% · 3.875%
HK$54,325
−HK$1,665/mo
Today · 4.125%
HK$55,990
baseline
▲ 0.50% · 4.625%
HK$59,397
+HK$3,407/mo
Deposit HK$7.70M · loan HK$11.55M · min. income ≈ HK$111,980/mo (50% DSR)
Upfront cash ≈ HK$8.42M (deposit + AVD stamp duty HK$722,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,613
−HK$3,166/mo
▼ 0.25% · 3.875%
HK$60,185
−HK$1,594/mo
Today · 4.125%
HK$61,779
baseline
▲ 0.50% · 4.625%
HK$65,036
+HK$3,257/mo
Deposit HK$7.70M · loan HK$11.55M · min. income ≈ HK$123,558/mo (50% DSR)
Upfront cash ≈ HK$8.42M (deposit + AVD stamp duty HK$722,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,467
−HK$3,855/mo
▼ 0.25% · 3.875%
HK$63,379
−HK$1,943/mo
Today · 4.125%
HK$65,322
baseline
▲ 0.50% · 4.625%
HK$69,296
+HK$3,974/mo
Deposit HK$5.78M · loan HK$13.48M · min. income ≈ HK$130,644/mo (50% DSR)
Upfront cash ≈ HK$6.50M (deposit + AVD stamp duty HK$722,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,381
−HK$3,695/mo
▼ 0.25% · 3.875%
HK$70,215
−HK$1,861/mo
Today · 4.125%
HK$72,076
baseline
▲ 0.50% · 4.625%
HK$75,875
+HK$3,799/mo
Deposit HK$5.78M · loan HK$13.48M · min. income ≈ HK$144,152/mo (50% DSR)
Upfront cash ≈ HK$6.50M (deposit + AVD stamp duty HK$722,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,029
−HK$4,956/mo
▼ 0.25% · 3.875%
HK$81,487
−HK$2,498/mo
Today · 4.125%
HK$83,985
baseline
▲ 0.50% · 4.625%
HK$89,095
+HK$5,110/mo
Deposit HK$1.93M · loan HK$17.33M · min. income ≈ HK$167,970/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$722,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,919
−HK$4,750/mo
▼ 0.25% · 3.875%
HK$90,277
−HK$2,392/mo
Today · 4.125%
HK$92,669
baseline
▲ 0.50% · 4.625%
HK$97,554
+HK$4,885/mo
Deposit HK$1.93M · loan HK$17.33M · min. income ≈ HK$185,338/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$722,042 · Scale 2, in force from 26 Feb 2026)