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$43,903
−HK$2,753/mo
▼ 0.25% · 3.875%
HK$45,268
−HK$1,388/mo
Today · 4.125%
HK$46,656
baseline
▲ 0.50% · 4.625%
HK$49,495
+HK$2,839/mo
Deposit HK$9.63M · loan HK$9.63M · min. income ≈ HK$93,312/mo (50% DSR)
Upfront cash ≈ HK$10.35M (deposit + AVD stamp duty HK$722,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,841
−HK$2,639/mo
▼ 0.25% · 3.875%
HK$50,151
−HK$1,329/mo
Today · 4.125%
HK$51,480
baseline
▲ 0.50% · 4.625%
HK$54,194
+HK$2,714/mo
Deposit HK$9.63M · loan HK$9.63M · min. income ≈ HK$102,960/mo (50% DSR)
Upfront cash ≈ HK$10.35M (deposit + AVD stamp duty HK$722,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,683
−HK$3,304/mo
▼ 0.25% · 3.875%
HK$54,322
−HK$1,665/mo
Today · 4.125%
HK$55,987
baseline
▲ 0.50% · 4.625%
HK$59,394
+HK$3,407/mo
Deposit HK$7.70M · loan HK$11.55M · min. income ≈ HK$111,974/mo (50% DSR)
Upfront cash ≈ HK$8.42M (deposit + AVD stamp duty HK$722,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,610
−HK$3,166/mo
▼ 0.25% · 3.875%
HK$60,182
−HK$1,594/mo
Today · 4.125%
HK$61,776
baseline
▲ 0.50% · 4.625%
HK$65,033
+HK$3,257/mo
Deposit HK$7.70M · loan HK$11.55M · min. income ≈ HK$123,552/mo (50% DSR)
Upfront cash ≈ HK$8.42M (deposit + AVD stamp duty HK$722,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,464
−HK$3,854/mo
▼ 0.25% · 3.875%
HK$63,376
−HK$1,942/mo
Today · 4.125%
HK$65,318
baseline
▲ 0.50% · 4.625%
HK$69,293
+HK$3,975/mo
Deposit HK$5.78M · loan HK$13.48M · min. income ≈ HK$130,636/mo (50% DSR)
Upfront cash ≈ HK$6.50M (deposit + AVD stamp duty HK$722,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,378
−HK$3,694/mo
▼ 0.25% · 3.875%
HK$70,212
−HK$1,860/mo
Today · 4.125%
HK$72,072
baseline
▲ 0.50% · 4.625%
HK$75,871
+HK$3,799/mo
Deposit HK$5.78M · loan HK$13.48M · min. income ≈ HK$144,144/mo (50% DSR)
Upfront cash ≈ HK$6.50M (deposit + AVD stamp duty HK$722,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,025
−HK$4,956/mo
▼ 0.25% · 3.875%
HK$81,483
−HK$2,498/mo
Today · 4.125%
HK$83,981
baseline
▲ 0.50% · 4.625%
HK$89,091
+HK$5,110/mo
Deposit HK$1.93M · loan HK$17.33M · min. income ≈ HK$167,962/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$722,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,915
−HK$4,749/mo
▼ 0.25% · 3.875%
HK$90,272
−HK$2,392/mo
Today · 4.125%
HK$92,664
baseline
▲ 0.50% · 4.625%
HK$97,549
+HK$4,885/mo
Deposit HK$1.93M · loan HK$17.33M · min. income ≈ HK$185,328/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$722,005 · Scale 2, in force from 26 Feb 2026)