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$43,955
−HK$2,756/mo
▼ 0.25% · 3.875%
HK$45,322
−HK$1,389/mo
Today · 4.125%
HK$46,711
baseline
▲ 0.50% · 4.625%
HK$49,553
+HK$2,842/mo
Deposit HK$9.64M · loan HK$9.64M · min. income ≈ HK$93,422/mo (50% DSR)
Upfront cash ≈ HK$10.36M (deposit + AVD stamp duty HK$722,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,899
−HK$2,642/mo
▼ 0.25% · 3.875%
HK$50,210
−HK$1,331/mo
Today · 4.125%
HK$51,541
baseline
▲ 0.50% · 4.625%
HK$54,258
+HK$2,717/mo
Deposit HK$9.64M · loan HK$9.64M · min. income ≈ HK$103,082/mo (50% DSR)
Upfront cash ≈ HK$10.36M (deposit + AVD stamp duty HK$722,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,745
−HK$3,308/mo
▼ 0.25% · 3.875%
HK$54,386
−HK$1,667/mo
Today · 4.125%
HK$56,053
baseline
▲ 0.50% · 4.625%
HK$59,464
+HK$3,411/mo
Deposit HK$7.71M · loan HK$11.57M · min. income ≈ HK$112,106/mo (50% DSR)
Upfront cash ≈ HK$8.43M (deposit + AVD stamp duty HK$722,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,679
−HK$3,170/mo
▼ 0.25% · 3.875%
HK$60,253
−HK$1,596/mo
Today · 4.125%
HK$61,849
baseline
▲ 0.50% · 4.625%
HK$65,109
+HK$3,260/mo
Deposit HK$7.71M · loan HK$11.57M · min. income ≈ HK$123,698/mo (50% DSR)
Upfront cash ≈ HK$8.43M (deposit + AVD stamp duty HK$722,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,536
−HK$3,859/mo
▼ 0.25% · 3.875%
HK$63,451
−HK$1,944/mo
Today · 4.125%
HK$65,395
baseline
▲ 0.50% · 4.625%
HK$69,374
+HK$3,979/mo
Deposit HK$5.78M · loan HK$13.49M · min. income ≈ HK$130,790/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$722,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,459
−HK$3,698/mo
▼ 0.25% · 3.875%
HK$70,295
−HK$1,862/mo
Today · 4.125%
HK$72,157
baseline
▲ 0.50% · 4.625%
HK$75,961
+HK$3,804/mo
Deposit HK$5.78M · loan HK$13.49M · min. income ≈ HK$144,314/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$722,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,118
−HK$4,962/mo
▼ 0.25% · 3.875%
HK$81,579
−HK$2,501/mo
Today · 4.125%
HK$84,080
baseline
▲ 0.50% · 4.625%
HK$89,196
+HK$5,116/mo
Deposit HK$1.93M · loan HK$17.35M · min. income ≈ HK$168,160/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$722,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,018
−HK$4,756/mo
▼ 0.25% · 3.875%
HK$90,379
−HK$2,395/mo
Today · 4.125%
HK$92,774
baseline
▲ 0.50% · 4.625%
HK$97,664
+HK$4,890/mo
Deposit HK$1.93M · loan HK$17.35M · min. income ≈ HK$185,548/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$722,856 · Scale 2, in force from 26 Feb 2026)