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$43,886
−HK$2,752/mo
▼ 0.25% · 3.875%
HK$45,251
−HK$1,387/mo
Today · 4.125%
HK$46,638
baseline
▲ 0.50% · 4.625%
HK$49,476
+HK$2,838/mo
Deposit HK$9.62M · loan HK$9.62M · min. income ≈ HK$93,276/mo (50% DSR)
Upfront cash ≈ HK$10.34M (deposit + AVD stamp duty HK$721,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,823
−HK$2,638/mo
▼ 0.25% · 3.875%
HK$50,132
−HK$1,329/mo
Today · 4.125%
HK$51,461
baseline
▲ 0.50% · 4.625%
HK$54,173
+HK$2,712/mo
Deposit HK$9.62M · loan HK$9.62M · min. income ≈ HK$102,922/mo (50% DSR)
Upfront cash ≈ HK$10.34M (deposit + AVD stamp duty HK$721,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,663
−HK$3,303/mo
▼ 0.25% · 3.875%
HK$54,301
−HK$1,665/mo
Today · 4.125%
HK$55,966
baseline
▲ 0.50% · 4.625%
HK$59,371
+HK$3,405/mo
Deposit HK$7.70M · loan HK$11.55M · min. income ≈ HK$111,932/mo (50% DSR)
Upfront cash ≈ HK$8.42M (deposit + AVD stamp duty HK$721,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,587
−HK$3,166/mo
▼ 0.25% · 3.875%
HK$60,159
−HK$1,594/mo
Today · 4.125%
HK$61,753
baseline
▲ 0.50% · 4.625%
HK$65,008
+HK$3,255/mo
Deposit HK$7.70M · loan HK$11.55M · min. income ≈ HK$123,506/mo (50% DSR)
Upfront cash ≈ HK$8.42M (deposit + AVD stamp duty HK$721,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,441
−HK$3,852/mo
▼ 0.25% · 3.875%
HK$63,352
−HK$1,941/mo
Today · 4.125%
HK$65,293
baseline
▲ 0.50% · 4.625%
HK$69,266
+HK$3,973/mo
Deposit HK$5.77M · loan HK$13.47M · min. income ≈ HK$130,586/mo (50% DSR)
Upfront cash ≈ HK$6.50M (deposit + AVD stamp duty HK$721,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,352
−HK$3,693/mo
▼ 0.25% · 3.875%
HK$70,185
−HK$1,860/mo
Today · 4.125%
HK$72,045
baseline
▲ 0.50% · 4.625%
HK$75,842
+HK$3,797/mo
Deposit HK$5.77M · loan HK$13.47M · min. income ≈ HK$144,090/mo (50% DSR)
Upfront cash ≈ HK$6.50M (deposit + AVD stamp duty HK$721,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,995
−HK$4,954/mo
▼ 0.25% · 3.875%
HK$81,452
−HK$2,497/mo
Today · 4.125%
HK$83,949
baseline
▲ 0.50% · 4.625%
HK$89,057
+HK$5,108/mo
Deposit HK$1.92M · loan HK$17.32M · min. income ≈ HK$167,898/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$721,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,881
−HK$4,748/mo
▼ 0.25% · 3.875%
HK$90,238
−HK$2,391/mo
Today · 4.125%
HK$92,629
baseline
▲ 0.50% · 4.625%
HK$97,512
+HK$4,883/mo
Deposit HK$1.92M · loan HK$17.32M · min. income ≈ HK$185,258/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$721,731 · Scale 2, in force from 26 Feb 2026)