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$43,963
−HK$2,757/mo
▼ 0.25% · 3.875%
HK$45,331
−HK$1,389/mo
Today · 4.125%
HK$46,720
baseline
▲ 0.50% · 4.625%
HK$49,563
+HK$2,843/mo
Deposit HK$9.64M · loan HK$9.64M · min. income ≈ HK$93,440/mo (50% DSR)
Upfront cash ≈ HK$10.36M (deposit + AVD stamp duty HK$723,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,909
−HK$2,642/mo
▼ 0.25% · 3.875%
HK$50,221
−HK$1,330/mo
Today · 4.125%
HK$51,551
baseline
▲ 0.50% · 4.625%
HK$54,269
+HK$2,718/mo
Deposit HK$9.64M · loan HK$9.64M · min. income ≈ HK$103,102/mo (50% DSR)
Upfront cash ≈ HK$10.36M (deposit + AVD stamp duty HK$723,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,756
−HK$3,308/mo
▼ 0.25% · 3.875%
HK$54,397
−HK$1,667/mo
Today · 4.125%
HK$56,064
baseline
▲ 0.50% · 4.625%
HK$59,476
+HK$3,412/mo
Deposit HK$7.71M · loan HK$11.57M · min. income ≈ HK$112,128/mo (50% DSR)
Upfront cash ≈ HK$8.44M (deposit + AVD stamp duty HK$723,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,691
−HK$3,171/mo
▼ 0.25% · 3.875%
HK$60,265
−HK$1,597/mo
Today · 4.125%
HK$61,862
baseline
▲ 0.50% · 4.625%
HK$65,122
+HK$3,260/mo
Deposit HK$7.71M · loan HK$11.57M · min. income ≈ HK$123,724/mo (50% DSR)
Upfront cash ≈ HK$8.44M (deposit + AVD stamp duty HK$723,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,549
−HK$3,860/mo
▼ 0.25% · 3.875%
HK$63,463
−HK$1,946/mo
Today · 4.125%
HK$65,409
baseline
▲ 0.50% · 4.625%
HK$69,389
+HK$3,980/mo
Deposit HK$5.78M · loan HK$13.50M · min. income ≈ HK$130,818/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$723,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,473
−HK$3,699/mo
▼ 0.25% · 3.875%
HK$70,309
−HK$1,863/mo
Today · 4.125%
HK$72,172
baseline
▲ 0.50% · 4.625%
HK$75,976
+HK$3,804/mo
Deposit HK$5.78M · loan HK$13.50M · min. income ≈ HK$144,344/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$723,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,134
−HK$4,963/mo
▼ 0.25% · 3.875%
HK$81,596
−HK$2,501/mo
Today · 4.125%
HK$84,097
baseline
▲ 0.50% · 4.625%
HK$89,214
+HK$5,117/mo
Deposit HK$1.93M · loan HK$17.35M · min. income ≈ HK$168,194/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$723,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,036
−HK$4,756/mo
▼ 0.25% · 3.875%
HK$90,397
−HK$2,395/mo
Today · 4.125%
HK$92,792
baseline
▲ 0.50% · 4.625%
HK$97,684
+HK$4,892/mo
Deposit HK$1.93M · loan HK$17.35M · min. income ≈ HK$185,584/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$723,003 · Scale 2, in force from 26 Feb 2026)