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$43,810
−HK$2,747/mo
▼ 0.25% · 3.875%
HK$45,173
−HK$1,384/mo
Today · 4.125%
HK$46,557
baseline
▲ 0.50% · 4.625%
HK$49,390
+HK$2,833/mo
Deposit HK$9.61M · loan HK$9.61M · min. income ≈ HK$93,114/mo (50% DSR)
Upfront cash ≈ HK$10.33M (deposit + AVD stamp duty HK$720,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,738
−HK$2,633/mo
▼ 0.25% · 3.875%
HK$50,045
−HK$1,326/mo
Today · 4.125%
HK$51,371
baseline
▲ 0.50% · 4.625%
HK$54,079
+HK$2,708/mo
Deposit HK$9.61M · loan HK$9.61M · min. income ≈ HK$102,742/mo (50% DSR)
Upfront cash ≈ HK$10.33M (deposit + AVD stamp duty HK$720,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,572
−HK$3,297/mo
▼ 0.25% · 3.875%
HK$54,207
−HK$1,662/mo
Today · 4.125%
HK$55,869
baseline
▲ 0.50% · 4.625%
HK$59,268
+HK$3,399/mo
Deposit HK$7.69M · loan HK$11.53M · min. income ≈ HK$111,738/mo (50% DSR)
Upfront cash ≈ HK$8.41M (deposit + AVD stamp duty HK$720,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,486
−HK$3,160/mo
▼ 0.25% · 3.875%
HK$60,054
−HK$1,592/mo
Today · 4.125%
HK$61,646
baseline
▲ 0.50% · 4.625%
HK$64,895
+HK$3,249/mo
Deposit HK$7.69M · loan HK$11.53M · min. income ≈ HK$123,292/mo (50% DSR)
Upfront cash ≈ HK$8.41M (deposit + AVD stamp duty HK$720,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,334
−HK$3,846/mo
▼ 0.25% · 3.875%
HK$63,242
−HK$1,938/mo
Today · 4.125%
HK$65,180
baseline
▲ 0.50% · 4.625%
HK$69,146
+HK$3,966/mo
Deposit HK$5.76M · loan HK$13.45M · min. income ≈ HK$130,360/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$720,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,233
−HK$3,687/mo
▼ 0.25% · 3.875%
HK$70,063
−HK$1,857/mo
Today · 4.125%
HK$71,920
baseline
▲ 0.50% · 4.625%
HK$75,711
+HK$3,791/mo
Deposit HK$5.76M · loan HK$13.45M · min. income ≈ HK$143,840/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$720,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,858
−HK$4,945/mo
▼ 0.25% · 3.875%
HK$81,311
−HK$2,492/mo
Today · 4.125%
HK$83,803
baseline
▲ 0.50% · 4.625%
HK$88,902
+HK$5,099/mo
Deposit HK$1.92M · loan HK$17.29M · min. income ≈ HK$167,606/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$720,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,729
−HK$4,739/mo
▼ 0.25% · 3.875%
HK$90,081
−HK$2,387/mo
Today · 4.125%
HK$92,468
baseline
▲ 0.50% · 4.625%
HK$97,342
+HK$4,874/mo
Deposit HK$1.92M · loan HK$17.29M · min. income ≈ HK$184,936/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$720,478 · Scale 2, in force from 26 Feb 2026)