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$43,935
−HK$2,755/mo
▼ 0.25% · 3.875%
HK$45,301
−HK$1,389/mo
Today · 4.125%
HK$46,690
baseline
▲ 0.50% · 4.625%
HK$49,531
+HK$2,841/mo
Deposit HK$9.63M · loan HK$9.63M · min. income ≈ HK$93,380/mo (50% DSR)
Upfront cash ≈ HK$10.36M (deposit + AVD stamp duty HK$722,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,877
−HK$2,640/mo
▼ 0.25% · 3.875%
HK$50,188
−HK$1,329/mo
Today · 4.125%
HK$51,517
baseline
▲ 0.50% · 4.625%
HK$54,233
+HK$2,716/mo
Deposit HK$9.63M · loan HK$9.63M · min. income ≈ HK$103,034/mo (50% DSR)
Upfront cash ≈ HK$10.36M (deposit + AVD stamp duty HK$722,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,721
−HK$3,307/mo
▼ 0.25% · 3.875%
HK$54,361
−HK$1,667/mo
Today · 4.125%
HK$56,028
baseline
▲ 0.50% · 4.625%
HK$59,437
+HK$3,409/mo
Deposit HK$7.71M · loan HK$11.56M · min. income ≈ HK$112,056/mo (50% DSR)
Upfront cash ≈ HK$8.43M (deposit + AVD stamp duty HK$722,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,652
−HK$3,169/mo
▼ 0.25% · 3.875%
HK$60,225
−HK$1,596/mo
Today · 4.125%
HK$61,821
baseline
▲ 0.50% · 4.625%
HK$65,080
+HK$3,259/mo
Deposit HK$7.71M · loan HK$11.56M · min. income ≈ HK$123,642/mo (50% DSR)
Upfront cash ≈ HK$8.43M (deposit + AVD stamp duty HK$722,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,508
−HK$3,858/mo
▼ 0.25% · 3.875%
HK$63,422
−HK$1,944/mo
Today · 4.125%
HK$65,366
baseline
▲ 0.50% · 4.625%
HK$69,343
+HK$3,977/mo
Deposit HK$5.78M · loan HK$13.49M · min. income ≈ HK$130,732/mo (50% DSR)
Upfront cash ≈ HK$6.50M (deposit + AVD stamp duty HK$722,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,427
−HK$3,697/mo
▼ 0.25% · 3.875%
HK$70,263
−HK$1,861/mo
Today · 4.125%
HK$72,124
baseline
▲ 0.50% · 4.625%
HK$75,926
+HK$3,802/mo
Deposit HK$5.78M · loan HK$13.49M · min. income ≈ HK$144,248/mo (50% DSR)
Upfront cash ≈ HK$6.50M (deposit + AVD stamp duty HK$722,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,082
−HK$4,959/mo
▼ 0.25% · 3.875%
HK$81,542
−HK$2,499/mo
Today · 4.125%
HK$84,041
baseline
▲ 0.50% · 4.625%
HK$89,155
+HK$5,114/mo
Deposit HK$1.93M · loan HK$17.34M · min. income ≈ HK$168,082/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$722,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,978
−HK$4,753/mo
▼ 0.25% · 3.875%
HK$90,338
−HK$2,393/mo
Today · 4.125%
HK$92,731
baseline
▲ 0.50% · 4.625%
HK$97,619
+HK$4,888/mo
Deposit HK$1.93M · loan HK$17.34M · min. income ≈ HK$185,462/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$722,527 · Scale 2, in force from 26 Feb 2026)