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$43,987
−HK$2,758/mo
▼ 0.25% · 3.875%
HK$45,355
−HK$1,390/mo
Today · 4.125%
HK$46,745
baseline
▲ 0.50% · 4.625%
HK$49,590
+HK$2,845/mo
Deposit HK$9.65M · loan HK$9.65M · min. income ≈ HK$93,490/mo (50% DSR)
Upfront cash ≈ HK$10.37M (deposit + AVD stamp duty HK$723,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,935
−HK$2,644/mo
▼ 0.25% · 3.875%
HK$50,247
−HK$1,332/mo
Today · 4.125%
HK$51,579
baseline
▲ 0.50% · 4.625%
HK$54,298
+HK$2,719/mo
Deposit HK$9.65M · loan HK$9.65M · min. income ≈ HK$103,158/mo (50% DSR)
Upfront cash ≈ HK$10.37M (deposit + AVD stamp duty HK$723,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,784
−HK$3,310/mo
▼ 0.25% · 3.875%
HK$54,426
−HK$1,668/mo
Today · 4.125%
HK$56,094
baseline
▲ 0.50% · 4.625%
HK$59,508
+HK$3,414/mo
Deposit HK$7.72M · loan HK$11.57M · min. income ≈ HK$112,188/mo (50% DSR)
Upfront cash ≈ HK$8.44M (deposit + AVD stamp duty HK$723,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,722
−HK$3,173/mo
▼ 0.25% · 3.875%
HK$60,297
−HK$1,598/mo
Today · 4.125%
HK$61,895
baseline
▲ 0.50% · 4.625%
HK$65,157
+HK$3,262/mo
Deposit HK$7.72M · loan HK$11.57M · min. income ≈ HK$123,790/mo (50% DSR)
Upfront cash ≈ HK$8.44M (deposit + AVD stamp duty HK$723,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,582
−HK$3,861/mo
▼ 0.25% · 3.875%
HK$63,497
−HK$1,946/mo
Today · 4.125%
HK$65,443
baseline
▲ 0.50% · 4.625%
HK$69,425
+HK$3,982/mo
Deposit HK$5.79M · loan HK$13.50M · min. income ≈ HK$130,886/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$723,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,509
−HK$3,701/mo
▼ 0.25% · 3.875%
HK$70,346
−HK$1,864/mo
Today · 4.125%
HK$72,210
baseline
▲ 0.50% · 4.625%
HK$76,017
+HK$3,807/mo
Deposit HK$5.79M · loan HK$13.50M · min. income ≈ HK$144,420/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$723,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,176
−HK$4,965/mo
▼ 0.25% · 3.875%
HK$81,639
−HK$2,502/mo
Today · 4.125%
HK$84,141
baseline
▲ 0.50% · 4.625%
HK$89,261
+HK$5,120/mo
Deposit HK$1.93M · loan HK$17.36M · min. income ≈ HK$168,282/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$723,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,083
−HK$4,759/mo
▼ 0.25% · 3.875%
HK$90,445
−HK$2,397/mo
Today · 4.125%
HK$92,842
baseline
▲ 0.50% · 4.625%
HK$97,736
+HK$4,894/mo
Deposit HK$1.93M · loan HK$17.36M · min. income ≈ HK$185,684/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$723,388 · Scale 2, in force from 26 Feb 2026)