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$43,947
−HK$2,756/mo
▼ 0.25% · 3.875%
HK$45,314
−HK$1,389/mo
Today · 4.125%
HK$46,703
baseline
▲ 0.50% · 4.625%
HK$49,545
+HK$2,842/mo
Deposit HK$9.64M · loan HK$9.64M · min. income ≈ HK$93,406/mo (50% DSR)
Upfront cash ≈ HK$10.36M (deposit + AVD stamp duty HK$722,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,891
−HK$2,641/mo
▼ 0.25% · 3.875%
HK$50,202
−HK$1,330/mo
Today · 4.125%
HK$51,532
baseline
▲ 0.50% · 4.625%
HK$54,249
+HK$2,717/mo
Deposit HK$9.64M · loan HK$9.64M · min. income ≈ HK$103,064/mo (50% DSR)
Upfront cash ≈ HK$10.36M (deposit + AVD stamp duty HK$722,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,737
−HK$3,307/mo
▼ 0.25% · 3.875%
HK$54,377
−HK$1,667/mo
Today · 4.125%
HK$56,044
baseline
▲ 0.50% · 4.625%
HK$59,454
+HK$3,410/mo
Deposit HK$7.71M · loan HK$11.56M · min. income ≈ HK$112,088/mo (50% DSR)
Upfront cash ≈ HK$8.43M (deposit + AVD stamp duty HK$722,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,669
−HK$3,170/mo
▼ 0.25% · 3.875%
HK$60,243
−HK$1,596/mo
Today · 4.125%
HK$61,839
baseline
▲ 0.50% · 4.625%
HK$65,098
+HK$3,259/mo
Deposit HK$7.71M · loan HK$11.56M · min. income ≈ HK$123,678/mo (50% DSR)
Upfront cash ≈ HK$8.43M (deposit + AVD stamp duty HK$722,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,526
−HK$3,858/mo
▼ 0.25% · 3.875%
HK$63,440
−HK$1,944/mo
Today · 4.125%
HK$65,384
baseline
▲ 0.50% · 4.625%
HK$69,363
+HK$3,979/mo
Deposit HK$5.78M · loan HK$13.49M · min. income ≈ HK$130,768/mo (50% DSR)
Upfront cash ≈ HK$6.50M (deposit + AVD stamp duty HK$722,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,447
−HK$3,698/mo
▼ 0.25% · 3.875%
HK$70,283
−HK$1,862/mo
Today · 4.125%
HK$72,145
baseline
▲ 0.50% · 4.625%
HK$75,948
+HK$3,803/mo
Deposit HK$5.78M · loan HK$13.49M · min. income ≈ HK$144,290/mo (50% DSR)
Upfront cash ≈ HK$6.50M (deposit + AVD stamp duty HK$722,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,105
−HK$4,961/mo
▼ 0.25% · 3.875%
HK$81,566
−HK$2,500/mo
Today · 4.125%
HK$84,066
baseline
▲ 0.50% · 4.625%
HK$89,181
+HK$5,115/mo
Deposit HK$1.93M · loan HK$17.35M · min. income ≈ HK$168,132/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$722,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,004
−HK$4,754/mo
▼ 0.25% · 3.875%
HK$90,364
−HK$2,394/mo
Today · 4.125%
HK$92,758
baseline
▲ 0.50% · 4.625%
HK$97,648
+HK$4,890/mo
Deposit HK$1.93M · loan HK$17.35M · min. income ≈ HK$185,516/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$722,737 · Scale 2, in force from 26 Feb 2026)