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$43,882
−HK$2,752/mo
▼ 0.25% · 3.875%
HK$45,247
−HK$1,387/mo
Today · 4.125%
HK$46,634
baseline
▲ 0.50% · 4.625%
HK$49,471
+HK$2,837/mo
Deposit HK$9.62M · loan HK$9.62M · min. income ≈ HK$93,268/mo (50% DSR)
Upfront cash ≈ HK$10.34M (deposit + AVD stamp duty HK$721,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,818
−HK$2,638/mo
▼ 0.25% · 3.875%
HK$50,128
−HK$1,328/mo
Today · 4.125%
HK$51,456
baseline
▲ 0.50% · 4.625%
HK$54,168
+HK$2,712/mo
Deposit HK$9.62M · loan HK$9.62M · min. income ≈ HK$102,912/mo (50% DSR)
Upfront cash ≈ HK$10.34M (deposit + AVD stamp duty HK$721,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,658
−HK$3,303/mo
▼ 0.25% · 3.875%
HK$54,296
−HK$1,665/mo
Today · 4.125%
HK$55,961
baseline
▲ 0.50% · 4.625%
HK$59,366
+HK$3,405/mo
Deposit HK$7.70M · loan HK$11.55M · min. income ≈ HK$111,922/mo (50% DSR)
Upfront cash ≈ HK$8.42M (deposit + AVD stamp duty HK$721,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,582
−HK$3,165/mo
▼ 0.25% · 3.875%
HK$60,153
−HK$1,594/mo
Today · 4.125%
HK$61,747
baseline
▲ 0.50% · 4.625%
HK$65,002
+HK$3,255/mo
Deposit HK$7.70M · loan HK$11.55M · min. income ≈ HK$123,494/mo (50% DSR)
Upfront cash ≈ HK$8.42M (deposit + AVD stamp duty HK$721,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,435
−HK$3,852/mo
▼ 0.25% · 3.875%
HK$63,346
−HK$1,941/mo
Today · 4.125%
HK$65,287
baseline
▲ 0.50% · 4.625%
HK$69,260
+HK$3,973/mo
Deposit HK$5.77M · loan HK$13.47M · min. income ≈ HK$130,574/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$721,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,346
−HK$3,692/mo
▼ 0.25% · 3.875%
HK$70,179
−HK$1,859/mo
Today · 4.125%
HK$72,038
baseline
▲ 0.50% · 4.625%
HK$75,835
+HK$3,797/mo
Deposit HK$5.77M · loan HK$13.47M · min. income ≈ HK$144,076/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$721,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,988
−HK$4,953/mo
▼ 0.25% · 3.875%
HK$81,445
−HK$2,496/mo
Today · 4.125%
HK$83,941
baseline
▲ 0.50% · 4.625%
HK$89,048
+HK$5,107/mo
Deposit HK$1.92M · loan HK$17.32M · min. income ≈ HK$167,882/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$721,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,873
−HK$4,747/mo
▼ 0.25% · 3.875%
HK$90,230
−HK$2,390/mo
Today · 4.125%
HK$92,620
baseline
▲ 0.50% · 4.625%
HK$97,503
+HK$4,883/mo
Deposit HK$1.92M · loan HK$17.32M · min. income ≈ HK$185,240/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$721,663 · Scale 2, in force from 26 Feb 2026)