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$43,881
−HK$2,752/mo
▼ 0.25% · 3.875%
HK$45,246
−HK$1,387/mo
Today · 4.125%
HK$46,633
baseline
▲ 0.50% · 4.625%
HK$49,470
+HK$2,837/mo
Deposit HK$9.62M · loan HK$9.62M · min. income ≈ HK$93,266/mo (50% DSR)
Upfront cash ≈ HK$10.34M (deposit + AVD stamp duty HK$721,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,817
−HK$2,638/mo
▼ 0.25% · 3.875%
HK$50,126
−HK$1,329/mo
Today · 4.125%
HK$51,455
baseline
▲ 0.50% · 4.625%
HK$54,167
+HK$2,712/mo
Deposit HK$9.62M · loan HK$9.62M · min. income ≈ HK$102,910/mo (50% DSR)
Upfront cash ≈ HK$10.34M (deposit + AVD stamp duty HK$721,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,657
−HK$3,302/mo
▼ 0.25% · 3.875%
HK$54,295
−HK$1,664/mo
Today · 4.125%
HK$55,959
baseline
▲ 0.50% · 4.625%
HK$59,364
+HK$3,405/mo
Deposit HK$7.70M · loan HK$11.55M · min. income ≈ HK$111,918/mo (50% DSR)
Upfront cash ≈ HK$8.42M (deposit + AVD stamp duty HK$721,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,581
−HK$3,165/mo
▼ 0.25% · 3.875%
HK$60,152
−HK$1,594/mo
Today · 4.125%
HK$61,746
baseline
▲ 0.50% · 4.625%
HK$65,000
+HK$3,254/mo
Deposit HK$7.70M · loan HK$11.55M · min. income ≈ HK$123,492/mo (50% DSR)
Upfront cash ≈ HK$8.42M (deposit + AVD stamp duty HK$721,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,433
−HK$3,853/mo
▼ 0.25% · 3.875%
HK$63,344
−HK$1,942/mo
Today · 4.125%
HK$65,286
baseline
▲ 0.50% · 4.625%
HK$69,258
+HK$3,972/mo
Deposit HK$5.77M · loan HK$13.47M · min. income ≈ HK$130,572/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$721,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,344
−HK$3,693/mo
▼ 0.25% · 3.875%
HK$70,177
−HK$1,860/mo
Today · 4.125%
HK$72,037
baseline
▲ 0.50% · 4.625%
HK$75,834
+HK$3,797/mo
Deposit HK$5.77M · loan HK$13.47M · min. income ≈ HK$144,074/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$721,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,986
−HK$4,953/mo
▼ 0.25% · 3.875%
HK$81,443
−HK$2,496/mo
Today · 4.125%
HK$83,939
baseline
▲ 0.50% · 4.625%
HK$89,047
+HK$5,108/mo
Deposit HK$1.92M · loan HK$17.32M · min. income ≈ HK$167,878/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$721,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,871
−HK$4,747/mo
▼ 0.25% · 3.875%
HK$90,228
−HK$2,390/mo
Today · 4.125%
HK$92,618
baseline
▲ 0.50% · 4.625%
HK$97,500
+HK$4,882/mo
Deposit HK$1.92M · loan HK$17.32M · min. income ≈ HK$185,236/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$721,647 · Scale 2, in force from 26 Feb 2026)