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$43,988
−HK$2,758/mo
▼ 0.25% · 3.875%
HK$45,356
−HK$1,390/mo
Today · 4.125%
HK$46,746
baseline
▲ 0.50% · 4.625%
HK$49,591
+HK$2,845/mo
Deposit HK$9.65M · loan HK$9.65M · min. income ≈ HK$93,492/mo (50% DSR)
Upfront cash ≈ HK$10.37M (deposit + AVD stamp duty HK$723,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,936
−HK$2,644/mo
▼ 0.25% · 3.875%
HK$50,248
−HK$1,332/mo
Today · 4.125%
HK$51,580
baseline
▲ 0.50% · 4.625%
HK$54,299
+HK$2,719/mo
Deposit HK$9.65M · loan HK$9.65M · min. income ≈ HK$103,160/mo (50% DSR)
Upfront cash ≈ HK$10.37M (deposit + AVD stamp duty HK$723,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,785
−HK$3,310/mo
▼ 0.25% · 3.875%
HK$54,427
−HK$1,668/mo
Today · 4.125%
HK$56,095
baseline
▲ 0.50% · 4.625%
HK$59,509
+HK$3,414/mo
Deposit HK$7.72M · loan HK$11.57M · min. income ≈ HK$112,190/mo (50% DSR)
Upfront cash ≈ HK$8.44M (deposit + AVD stamp duty HK$723,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,723
−HK$3,173/mo
▼ 0.25% · 3.875%
HK$60,298
−HK$1,598/mo
Today · 4.125%
HK$61,896
baseline
▲ 0.50% · 4.625%
HK$65,158
+HK$3,262/mo
Deposit HK$7.72M · loan HK$11.57M · min. income ≈ HK$123,792/mo (50% DSR)
Upfront cash ≈ HK$8.44M (deposit + AVD stamp duty HK$723,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,583
−HK$3,862/mo
▼ 0.25% · 3.875%
HK$63,498
−HK$1,947/mo
Today · 4.125%
HK$65,445
baseline
▲ 0.50% · 4.625%
HK$69,427
+HK$3,982/mo
Deposit HK$5.79M · loan HK$13.50M · min. income ≈ HK$130,890/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$723,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,510
−HK$3,702/mo
▼ 0.25% · 3.875%
HK$70,348
−HK$1,864/mo
Today · 4.125%
HK$72,212
baseline
▲ 0.50% · 4.625%
HK$76,018
+HK$3,806/mo
Deposit HK$5.79M · loan HK$13.50M · min. income ≈ HK$144,424/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$723,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,178
−HK$4,965/mo
▼ 0.25% · 3.875%
HK$81,641
−HK$2,502/mo
Today · 4.125%
HK$84,143
baseline
▲ 0.50% · 4.625%
HK$89,263
+HK$5,120/mo
Deposit HK$1.93M · loan HK$17.36M · min. income ≈ HK$168,286/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$723,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,085
−HK$4,759/mo
▼ 0.25% · 3.875%
HK$90,447
−HK$2,397/mo
Today · 4.125%
HK$92,844
baseline
▲ 0.50% · 4.625%
HK$97,737
+HK$4,893/mo
Deposit HK$1.93M · loan HK$17.36M · min. income ≈ HK$185,688/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$723,401 · Scale 2, in force from 26 Feb 2026)