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$43,813
−HK$2,747/mo
▼ 0.25% · 3.875%
HK$45,176
−HK$1,384/mo
Today · 4.125%
HK$46,560
baseline
▲ 0.50% · 4.625%
HK$49,393
+HK$2,833/mo
Deposit HK$9.61M · loan HK$9.61M · min. income ≈ HK$93,120/mo (50% DSR)
Upfront cash ≈ HK$10.33M (deposit + AVD stamp duty HK$720,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,741
−HK$2,634/mo
▼ 0.25% · 3.875%
HK$50,048
−HK$1,327/mo
Today · 4.125%
HK$51,375
baseline
▲ 0.50% · 4.625%
HK$54,083
+HK$2,708/mo
Deposit HK$9.61M · loan HK$9.61M · min. income ≈ HK$102,750/mo (50% DSR)
Upfront cash ≈ HK$10.33M (deposit + AVD stamp duty HK$720,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,575
−HK$3,297/mo
▼ 0.25% · 3.875%
HK$54,211
−HK$1,661/mo
Today · 4.125%
HK$55,872
baseline
▲ 0.50% · 4.625%
HK$59,272
+HK$3,400/mo
Deposit HK$7.69M · loan HK$11.53M · min. income ≈ HK$111,744/mo (50% DSR)
Upfront cash ≈ HK$8.41M (deposit + AVD stamp duty HK$720,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,489
−HK$3,160/mo
▼ 0.25% · 3.875%
HK$60,058
−HK$1,591/mo
Today · 4.125%
HK$61,649
baseline
▲ 0.50% · 4.625%
HK$64,899
+HK$3,250/mo
Deposit HK$7.69M · loan HK$11.53M · min. income ≈ HK$123,298/mo (50% DSR)
Upfront cash ≈ HK$8.41M (deposit + AVD stamp duty HK$720,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,338
−HK$3,846/mo
▼ 0.25% · 3.875%
HK$63,246
−HK$1,938/mo
Today · 4.125%
HK$65,184
baseline
▲ 0.50% · 4.625%
HK$69,151
+HK$3,967/mo
Deposit HK$5.76M · loan HK$13.45M · min. income ≈ HK$130,368/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$720,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,238
−HK$3,686/mo
▼ 0.25% · 3.875%
HK$70,068
−HK$1,856/mo
Today · 4.125%
HK$71,924
baseline
▲ 0.50% · 4.625%
HK$75,716
+HK$3,792/mo
Deposit HK$5.76M · loan HK$13.45M · min. income ≈ HK$143,848/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$720,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,863
−HK$4,945/mo
▼ 0.25% · 3.875%
HK$81,316
−HK$2,492/mo
Today · 4.125%
HK$83,808
baseline
▲ 0.50% · 4.625%
HK$88,908
+HK$5,100/mo
Deposit HK$1.92M · loan HK$17.29M · min. income ≈ HK$167,616/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$720,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,734
−HK$4,740/mo
▼ 0.25% · 3.875%
HK$90,087
−HK$2,387/mo
Today · 4.125%
HK$92,474
baseline
▲ 0.50% · 4.625%
HK$97,349
+HK$4,875/mo
Deposit HK$1.92M · loan HK$17.29M · min. income ≈ HK$184,948/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$720,524 · Scale 2, in force from 26 Feb 2026)