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$44,011
−HK$2,760/mo
▼ 0.25% · 3.875%
HK$45,380
−HK$1,391/mo
Today · 4.125%
HK$46,771
baseline
▲ 0.50% · 4.625%
HK$49,616
+HK$2,845/mo
Deposit HK$9.65M · loan HK$9.65M · min. income ≈ HK$93,542/mo (50% DSR)
Upfront cash ≈ HK$10.37M (deposit + AVD stamp duty HK$723,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,961
−HK$2,646/mo
▼ 0.25% · 3.875%
HK$50,275
−HK$1,332/mo
Today · 4.125%
HK$51,607
baseline
▲ 0.50% · 4.625%
HK$54,327
+HK$2,720/mo
Deposit HK$9.65M · loan HK$9.65M · min. income ≈ HK$103,214/mo (50% DSR)
Upfront cash ≈ HK$10.37M (deposit + AVD stamp duty HK$723,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,813
−HK$3,312/mo
▼ 0.25% · 3.875%
HK$54,456
−HK$1,669/mo
Today · 4.125%
HK$56,125
baseline
▲ 0.50% · 4.625%
HK$59,540
+HK$3,415/mo
Deposit HK$7.72M · loan HK$11.58M · min. income ≈ HK$112,250/mo (50% DSR)
Upfront cash ≈ HK$8.44M (deposit + AVD stamp duty HK$723,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,754
−HK$3,174/mo
▼ 0.25% · 3.875%
HK$60,329
−HK$1,599/mo
Today · 4.125%
HK$61,928
baseline
▲ 0.50% · 4.625%
HK$65,192
+HK$3,264/mo
Deposit HK$7.72M · loan HK$11.58M · min. income ≈ HK$123,856/mo (50% DSR)
Upfront cash ≈ HK$8.44M (deposit + AVD stamp duty HK$723,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,615
−HK$3,864/mo
▼ 0.25% · 3.875%
HK$63,531
−HK$1,948/mo
Today · 4.125%
HK$65,479
baseline
▲ 0.50% · 4.625%
HK$69,463
+HK$3,984/mo
Deposit HK$5.79M · loan HK$13.51M · min. income ≈ HK$130,958/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$723,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,546
−HK$3,703/mo
▼ 0.25% · 3.875%
HK$70,384
−HK$1,865/mo
Today · 4.125%
HK$72,249
baseline
▲ 0.50% · 4.625%
HK$76,058
+HK$3,809/mo
Deposit HK$5.79M · loan HK$13.51M · min. income ≈ HK$144,498/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$723,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,219
−HK$4,968/mo
▼ 0.25% · 3.875%
HK$81,683
−HK$2,504/mo
Today · 4.125%
HK$84,187
baseline
▲ 0.50% · 4.625%
HK$89,309
+HK$5,122/mo
Deposit HK$1.93M · loan HK$17.37M · min. income ≈ HK$168,374/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$723,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,131
−HK$4,761/mo
▼ 0.25% · 3.875%
HK$90,494
−HK$2,398/mo
Today · 4.125%
HK$92,892
baseline
▲ 0.50% · 4.625%
HK$97,788
+HK$4,896/mo
Deposit HK$1.93M · loan HK$17.37M · min. income ≈ HK$185,784/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$723,779 · Scale 2, in force from 26 Feb 2026)