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$2,759/mo
▼ 0.25% · 3.875%
HK$45,358
−HK$1,390/mo
Today · 4.125%
HK$46,748
baseline
▲ 0.50% · 4.625%
HK$49,592
+HK$2,844/mo
Deposit HK$9.65M · loan HK$9.65M · min. income ≈ HK$93,496/mo (50% DSR)
Upfront cash ≈ HK$10.37M (deposit + AVD stamp duty HK$723,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,938
−HK$2,644/mo
▼ 0.25% · 3.875%
HK$50,250
−HK$1,332/mo
Today · 4.125%
HK$51,582
baseline
▲ 0.50% · 4.625%
HK$54,301
+HK$2,719/mo
Deposit HK$9.65M · loan HK$9.65M · min. income ≈ HK$103,164/mo (50% DSR)
Upfront cash ≈ HK$10.37M (deposit + AVD stamp duty HK$723,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,787
−HK$3,310/mo
▼ 0.25% · 3.875%
HK$54,429
−HK$1,668/mo
Today · 4.125%
HK$56,097
baseline
▲ 0.50% · 4.625%
HK$59,511
+HK$3,414/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$723,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,725
−HK$3,173/mo
▼ 0.25% · 3.875%
HK$60,300
−HK$1,598/mo
Today · 4.125%
HK$61,898
baseline
▲ 0.50% · 4.625%
HK$65,161
+HK$3,263/mo
Deposit HK$7.72M · loan HK$11.57M · min. income ≈ HK$123,796/mo (50% DSR)
Upfront cash ≈ HK$8.44M (deposit + AVD stamp duty HK$723,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,585
−HK$3,862/mo
▼ 0.25% · 3.875%
HK$63,501
−HK$1,946/mo
Today · 4.125%
HK$65,447
baseline
▲ 0.50% · 4.625%
HK$69,429
+HK$3,982/mo
Deposit HK$5.79M · loan HK$13.50M · min. income ≈ HK$130,894/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$723,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,513
−HK$3,701/mo
▼ 0.25% · 3.875%
HK$70,350
−HK$1,864/mo
Today · 4.125%
HK$72,214
baseline
▲ 0.50% · 4.625%
HK$76,021
+HK$3,807/mo
Deposit HK$5.79M · loan HK$13.50M · min. income ≈ HK$144,428/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$723,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,181
−HK$4,965/mo
▼ 0.25% · 3.875%
HK$81,644
−HK$2,502/mo
Today · 4.125%
HK$84,146
baseline
▲ 0.50% · 4.625%
HK$89,266
+HK$5,120/mo
Deposit HK$1.93M · loan HK$17.36M · min. income ≈ HK$168,292/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$723,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,088
−HK$4,759/mo
▼ 0.25% · 3.875%
HK$90,450
−HK$2,397/mo
Today · 4.125%
HK$92,847
baseline
▲ 0.50% · 4.625%
HK$97,741
+HK$4,894/mo
Deposit HK$1.93M · loan HK$17.36M · min. income ≈ HK$185,694/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$723,428 · Scale 2, in force from 26 Feb 2026)