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$44,040
−HK$2,762/mo
▼ 0.25% · 3.875%
HK$45,410
−HK$1,392/mo
Today · 4.125%
HK$46,802
baseline
▲ 0.50% · 4.625%
HK$49,649
+HK$2,847/mo
Deposit HK$9.66M · loan HK$9.66M · min. income ≈ HK$93,604/mo (50% DSR)
Upfront cash ≈ HK$10.38M (deposit + AVD stamp duty HK$724,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,994
−HK$2,647/mo
▼ 0.25% · 3.875%
HK$50,308
−HK$1,333/mo
Today · 4.125%
HK$51,641
baseline
▲ 0.50% · 4.625%
HK$54,363
+HK$2,722/mo
Deposit HK$9.66M · loan HK$9.66M · min. income ≈ HK$103,282/mo (50% DSR)
Upfront cash ≈ HK$10.38M (deposit + AVD stamp duty HK$724,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,848
−HK$3,314/mo
▼ 0.25% · 3.875%
HK$54,492
−HK$1,670/mo
Today · 4.125%
HK$56,162
baseline
▲ 0.50% · 4.625%
HK$59,579
+HK$3,417/mo
Deposit HK$7.73M · loan HK$11.59M · min. income ≈ HK$112,324/mo (50% DSR)
Upfront cash ≈ HK$8.45M (deposit + AVD stamp duty HK$724,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,793
−HK$3,176/mo
▼ 0.25% · 3.875%
HK$60,370
−HK$1,599/mo
Today · 4.125%
HK$61,969
baseline
▲ 0.50% · 4.625%
HK$65,236
+HK$3,267/mo
Deposit HK$7.73M · loan HK$11.59M · min. income ≈ HK$123,938/mo (50% DSR)
Upfront cash ≈ HK$8.45M (deposit + AVD stamp duty HK$724,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,656
−HK$3,866/mo
▼ 0.25% · 3.875%
HK$63,574
−HK$1,948/mo
Today · 4.125%
HK$65,522
baseline
▲ 0.50% · 4.625%
HK$69,509
+HK$3,987/mo
Deposit HK$5.79M · loan HK$13.52M · min. income ≈ HK$131,044/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$724,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,592
−HK$3,705/mo
▼ 0.25% · 3.875%
HK$70,431
−HK$1,866/mo
Today · 4.125%
HK$72,297
baseline
▲ 0.50% · 4.625%
HK$76,108
+HK$3,811/mo
Deposit HK$5.79M · loan HK$13.52M · min. income ≈ HK$144,594/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$724,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,272
−HK$4,971/mo
▼ 0.25% · 3.875%
HK$81,738
−HK$2,505/mo
Today · 4.125%
HK$84,243
baseline
▲ 0.50% · 4.625%
HK$89,369
+HK$5,126/mo
Deposit HK$1.93M · loan HK$17.38M · min. income ≈ HK$168,486/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$724,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,189
−HK$4,765/mo
▼ 0.25% · 3.875%
HK$90,554
−HK$2,400/mo
Today · 4.125%
HK$92,954
baseline
▲ 0.50% · 4.625%
HK$97,853
+HK$4,899/mo
Deposit HK$1.93M · loan HK$17.38M · min. income ≈ HK$185,908/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$724,259 · Scale 2, in force from 26 Feb 2026)