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$43,946
−HK$2,756/mo
▼ 0.25% · 3.875%
HK$45,313
−HK$1,389/mo
Today · 4.125%
HK$46,702
baseline
▲ 0.50% · 4.625%
HK$49,543
+HK$2,841/mo
Deposit HK$9.64M · loan HK$9.64M · min. income ≈ HK$93,404/mo (50% DSR)
Upfront cash ≈ HK$10.36M (deposit + AVD stamp duty HK$722,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,889
−HK$2,642/mo
▼ 0.25% · 3.875%
HK$50,201
−HK$1,330/mo
Today · 4.125%
HK$51,531
baseline
▲ 0.50% · 4.625%
HK$54,247
+HK$2,716/mo
Deposit HK$9.64M · loan HK$9.64M · min. income ≈ HK$103,062/mo (50% DSR)
Upfront cash ≈ HK$10.36M (deposit + AVD stamp duty HK$722,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,735
−HK$3,307/mo
▼ 0.25% · 3.875%
HK$54,376
−HK$1,666/mo
Today · 4.125%
HK$56,042
baseline
▲ 0.50% · 4.625%
HK$59,452
+HK$3,410/mo
Deposit HK$7.71M · loan HK$11.56M · min. income ≈ HK$112,084/mo (50% DSR)
Upfront cash ≈ HK$8.43M (deposit + AVD stamp duty HK$722,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,667
−HK$3,170/mo
▼ 0.25% · 3.875%
HK$60,241
−HK$1,596/mo
Today · 4.125%
HK$61,837
baseline
▲ 0.50% · 4.625%
HK$65,096
+HK$3,259/mo
Deposit HK$7.71M · loan HK$11.56M · min. income ≈ HK$123,674/mo (50% DSR)
Upfront cash ≈ HK$8.43M (deposit + AVD stamp duty HK$722,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,524
−HK$3,858/mo
▼ 0.25% · 3.875%
HK$63,438
−HK$1,944/mo
Today · 4.125%
HK$65,382
baseline
▲ 0.50% · 4.625%
HK$69,361
+HK$3,979/mo
Deposit HK$5.78M · loan HK$13.49M · min. income ≈ HK$130,764/mo (50% DSR)
Upfront cash ≈ HK$6.50M (deposit + AVD stamp duty HK$722,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,445
−HK$3,698/mo
▼ 0.25% · 3.875%
HK$70,281
−HK$1,862/mo
Today · 4.125%
HK$72,143
baseline
▲ 0.50% · 4.625%
HK$75,946
+HK$3,803/mo
Deposit HK$5.78M · loan HK$13.49M · min. income ≈ HK$144,286/mo (50% DSR)
Upfront cash ≈ HK$6.50M (deposit + AVD stamp duty HK$722,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,103
−HK$4,960/mo
▼ 0.25% · 3.875%
HK$81,563
−HK$2,500/mo
Today · 4.125%
HK$84,063
baseline
▲ 0.50% · 4.625%
HK$89,178
+HK$5,115/mo
Deposit HK$1.93M · loan HK$17.35M · min. income ≈ HK$168,126/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$722,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,001
−HK$4,754/mo
▼ 0.25% · 3.875%
HK$90,361
−HK$2,394/mo
Today · 4.125%
HK$92,755
baseline
▲ 0.50% · 4.625%
HK$97,645
+HK$4,890/mo
Deposit HK$1.93M · loan HK$17.35M · min. income ≈ HK$185,510/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$722,715 · Scale 2, in force from 26 Feb 2026)