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$44,002
−HK$2,760/mo
▼ 0.25% · 3.875%
HK$45,371
−HK$1,391/mo
Today · 4.125%
HK$46,762
baseline
▲ 0.50% · 4.625%
HK$49,607
+HK$2,845/mo
Deposit HK$9.65M · loan HK$9.65M · min. income ≈ HK$93,524/mo (50% DSR)
Upfront cash ≈ HK$10.37M (deposit + AVD stamp duty HK$723,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,952
−HK$2,645/mo
▼ 0.25% · 3.875%
HK$50,265
−HK$1,332/mo
Today · 4.125%
HK$51,597
baseline
▲ 0.50% · 4.625%
HK$54,317
+HK$2,720/mo
Deposit HK$9.65M · loan HK$9.65M · min. income ≈ HK$103,194/mo (50% DSR)
Upfront cash ≈ HK$10.37M (deposit + AVD stamp duty HK$723,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,803
−HK$3,311/mo
▼ 0.25% · 3.875%
HK$54,445
−HK$1,669/mo
Today · 4.125%
HK$56,114
baseline
▲ 0.50% · 4.625%
HK$59,528
+HK$3,414/mo
Deposit HK$7.72M · loan HK$11.58M · min. income ≈ HK$112,228/mo (50% DSR)
Upfront cash ≈ HK$8.44M (deposit + AVD stamp duty HK$723,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,743
−HK$3,173/mo
▼ 0.25% · 3.875%
HK$60,318
−HK$1,598/mo
Today · 4.125%
HK$61,916
baseline
▲ 0.50% · 4.625%
HK$65,180
+HK$3,264/mo
Deposit HK$7.72M · loan HK$11.58M · min. income ≈ HK$123,832/mo (50% DSR)
Upfront cash ≈ HK$8.44M (deposit + AVD stamp duty HK$723,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,603
−HK$3,863/mo
▼ 0.25% · 3.875%
HK$63,520
−HK$1,946/mo
Today · 4.125%
HK$65,466
baseline
▲ 0.50% · 4.625%
HK$69,450
+HK$3,984/mo
Deposit HK$5.79M · loan HK$13.51M · min. income ≈ HK$130,932/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$723,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,533
−HK$3,703/mo
▼ 0.25% · 3.875%
HK$70,371
−HK$1,865/mo
Today · 4.125%
HK$72,236
baseline
▲ 0.50% · 4.625%
HK$76,043
+HK$3,807/mo
Deposit HK$5.79M · loan HK$13.51M · min. income ≈ HK$144,472/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$723,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,204
−HK$4,967/mo
▼ 0.25% · 3.875%
HK$81,668
−HK$2,503/mo
Today · 4.125%
HK$84,171
baseline
▲ 0.50% · 4.625%
HK$89,293
+HK$5,122/mo
Deposit HK$1.93M · loan HK$17.37M · min. income ≈ HK$168,342/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$723,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,114
−HK$4,761/mo
▼ 0.25% · 3.875%
HK$90,477
−HK$2,398/mo
Today · 4.125%
HK$92,875
baseline
▲ 0.50% · 4.625%
HK$97,770
+HK$4,895/mo
Deposit HK$1.93M · loan HK$17.37M · min. income ≈ HK$185,750/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$723,643 · Scale 2, in force from 26 Feb 2026)