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$44,041
−HK$2,762/mo
▼ 0.25% · 3.875%
HK$45,411
−HK$1,392/mo
Today · 4.125%
HK$46,803
baseline
▲ 0.50% · 4.625%
HK$49,650
+HK$2,847/mo
Deposit HK$9.66M · loan HK$9.66M · min. income ≈ HK$93,606/mo (50% DSR)
Upfront cash ≈ HK$10.38M (deposit + AVD stamp duty HK$724,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,995
−HK$2,647/mo
▼ 0.25% · 3.875%
HK$50,309
−HK$1,333/mo
Today · 4.125%
HK$51,642
baseline
▲ 0.50% · 4.625%
HK$54,364
+HK$2,722/mo
Deposit HK$9.66M · loan HK$9.66M · min. income ≈ HK$103,284/mo (50% DSR)
Upfront cash ≈ HK$10.38M (deposit + AVD stamp duty HK$724,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,849
−HK$3,314/mo
▼ 0.25% · 3.875%
HK$54,493
−HK$1,670/mo
Today · 4.125%
HK$56,163
baseline
▲ 0.50% · 4.625%
HK$59,580
+HK$3,417/mo
Deposit HK$7.73M · loan HK$11.59M · min. income ≈ HK$112,326/mo (50% DSR)
Upfront cash ≈ HK$8.45M (deposit + AVD stamp duty HK$724,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,794
−HK$3,176/mo
▼ 0.25% · 3.875%
HK$60,371
−HK$1,599/mo
Today · 4.125%
HK$61,970
baseline
▲ 0.50% · 4.625%
HK$65,237
+HK$3,267/mo
Deposit HK$7.73M · loan HK$11.59M · min. income ≈ HK$123,940/mo (50% DSR)
Upfront cash ≈ HK$8.45M (deposit + AVD stamp duty HK$724,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,657
−HK$3,867/mo
▼ 0.25% · 3.875%
HK$63,575
−HK$1,949/mo
Today · 4.125%
HK$65,524
baseline
▲ 0.50% · 4.625%
HK$69,510
+HK$3,986/mo
Deposit HK$5.79M · loan HK$13.52M · min. income ≈ HK$131,048/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$724,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,593
−HK$3,706/mo
▼ 0.25% · 3.875%
HK$70,433
−HK$1,866/mo
Today · 4.125%
HK$72,299
baseline
▲ 0.50% · 4.625%
HK$76,110
+HK$3,811/mo
Deposit HK$5.79M · loan HK$13.52M · min. income ≈ HK$144,598/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$724,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,273
−HK$4,972/mo
▼ 0.25% · 3.875%
HK$81,739
−HK$2,506/mo
Today · 4.125%
HK$84,245
baseline
▲ 0.50% · 4.625%
HK$89,371
+HK$5,126/mo
Deposit HK$1.93M · loan HK$17.38M · min. income ≈ HK$168,490/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$724,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,191
−HK$4,765/mo
▼ 0.25% · 3.875%
HK$90,556
−HK$2,400/mo
Today · 4.125%
HK$92,956
baseline
▲ 0.50% · 4.625%
HK$97,855
+HK$4,899/mo
Deposit HK$1.93M · loan HK$17.38M · min. income ≈ HK$185,912/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$724,274 · Scale 2, in force from 26 Feb 2026)