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$43,835
−HK$2,749/mo
▼ 0.25% · 3.875%
HK$45,198
−HK$1,386/mo
Today · 4.125%
HK$46,584
baseline
▲ 0.50% · 4.625%
HK$49,418
+HK$2,834/mo
Deposit HK$9.61M · loan HK$9.61M · min. income ≈ HK$93,168/mo (50% DSR)
Upfront cash ≈ HK$10.33M (deposit + AVD stamp duty HK$720,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,766
−HK$2,635/mo
▼ 0.25% · 3.875%
HK$50,074
−HK$1,327/mo
Today · 4.125%
HK$51,401
baseline
▲ 0.50% · 4.625%
HK$54,110
+HK$2,709/mo
Deposit HK$9.61M · loan HK$9.61M · min. income ≈ HK$102,802/mo (50% DSR)
Upfront cash ≈ HK$10.33M (deposit + AVD stamp duty HK$720,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,602
−HK$3,299/mo
▼ 0.25% · 3.875%
HK$54,238
−HK$1,663/mo
Today · 4.125%
HK$55,901
baseline
▲ 0.50% · 4.625%
HK$59,302
+HK$3,401/mo
Deposit HK$7.69M · loan HK$11.53M · min. income ≈ HK$111,802/mo (50% DSR)
Upfront cash ≈ HK$8.41M (deposit + AVD stamp duty HK$720,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,519
−HK$3,162/mo
▼ 0.25% · 3.875%
HK$60,089
−HK$1,592/mo
Today · 4.125%
HK$61,681
baseline
▲ 0.50% · 4.625%
HK$64,932
+HK$3,251/mo
Deposit HK$7.69M · loan HK$11.53M · min. income ≈ HK$123,362/mo (50% DSR)
Upfront cash ≈ HK$8.41M (deposit + AVD stamp duty HK$720,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,369
−HK$3,848/mo
▼ 0.25% · 3.875%
HK$63,278
−HK$1,939/mo
Today · 4.125%
HK$65,217
baseline
▲ 0.50% · 4.625%
HK$69,186
+HK$3,969/mo
Deposit HK$5.77M · loan HK$13.46M · min. income ≈ HK$130,434/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$720,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,272
−HK$3,689/mo
▼ 0.25% · 3.875%
HK$70,103
−HK$1,858/mo
Today · 4.125%
HK$71,961
baseline
▲ 0.50% · 4.625%
HK$75,754
+HK$3,793/mo
Deposit HK$5.77M · loan HK$13.46M · min. income ≈ HK$143,922/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$720,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,903
−HK$4,948/mo
▼ 0.25% · 3.875%
HK$81,357
−HK$2,494/mo
Today · 4.125%
HK$83,851
baseline
▲ 0.50% · 4.625%
HK$88,953
+HK$5,102/mo
Deposit HK$1.92M · loan HK$17.30M · min. income ≈ HK$167,702/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$720,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,779
−HK$4,742/mo
▼ 0.25% · 3.875%
HK$90,133
−HK$2,388/mo
Today · 4.125%
HK$92,521
baseline
▲ 0.50% · 4.625%
HK$97,398
+HK$4,877/mo
Deposit HK$1.92M · loan HK$17.30M · min. income ≈ HK$185,042/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$720,889 · Scale 2, in force from 26 Feb 2026)