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$43,918
−HK$2,754/mo
▼ 0.25% · 3.875%
HK$45,284
−HK$1,388/mo
Today · 4.125%
HK$46,672
baseline
▲ 0.50% · 4.625%
HK$49,512
+HK$2,840/mo
Deposit HK$9.63M · loan HK$9.63M · min. income ≈ HK$93,344/mo (50% DSR)
Upfront cash ≈ HK$10.35M (deposit + AVD stamp duty HK$722,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,858
−HK$2,640/mo
▼ 0.25% · 3.875%
HK$50,168
−HK$1,330/mo
Today · 4.125%
HK$51,498
baseline
▲ 0.50% · 4.625%
HK$54,212
+HK$2,714/mo
Deposit HK$9.63M · loan HK$9.63M · min. income ≈ HK$102,996/mo (50% DSR)
Upfront cash ≈ HK$10.35M (deposit + AVD stamp duty HK$722,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,701
−HK$3,305/mo
▼ 0.25% · 3.875%
HK$54,341
−HK$1,665/mo
Today · 4.125%
HK$56,006
baseline
▲ 0.50% · 4.625%
HK$59,414
+HK$3,408/mo
Deposit HK$7.70M · loan HK$11.56M · min. income ≈ HK$112,012/mo (50% DSR)
Upfront cash ≈ HK$8.43M (deposit + AVD stamp duty HK$722,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,630
−HK$3,167/mo
▼ 0.25% · 3.875%
HK$60,202
−HK$1,595/mo
Today · 4.125%
HK$61,797
baseline
▲ 0.50% · 4.625%
HK$65,055
+HK$3,258/mo
Deposit HK$7.70M · loan HK$11.56M · min. income ≈ HK$123,594/mo (50% DSR)
Upfront cash ≈ HK$8.43M (deposit + AVD stamp duty HK$722,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,485
−HK$3,856/mo
▼ 0.25% · 3.875%
HK$63,397
−HK$1,944/mo
Today · 4.125%
HK$65,341
baseline
▲ 0.50% · 4.625%
HK$69,316
+HK$3,975/mo
Deposit HK$5.78M · loan HK$13.48M · min. income ≈ HK$130,682/mo (50% DSR)
Upfront cash ≈ HK$6.50M (deposit + AVD stamp duty HK$722,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,401
−HK$3,696/mo
▼ 0.25% · 3.875%
HK$70,236
−HK$1,861/mo
Today · 4.125%
HK$72,097
baseline
▲ 0.50% · 4.625%
HK$75,897
+HK$3,800/mo
Deposit HK$5.78M · loan HK$13.48M · min. income ≈ HK$144,194/mo (50% DSR)
Upfront cash ≈ HK$6.50M (deposit + AVD stamp duty HK$722,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,052
−HK$4,957/mo
▼ 0.25% · 3.875%
HK$81,511
−HK$2,498/mo
Today · 4.125%
HK$84,009
baseline
▲ 0.50% · 4.625%
HK$89,121
+HK$5,112/mo
Deposit HK$1.93M · loan HK$17.33M · min. income ≈ HK$168,018/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$722,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,945
−HK$4,751/mo
▼ 0.25% · 3.875%
HK$90,303
−HK$2,393/mo
Today · 4.125%
HK$92,696
baseline
▲ 0.50% · 4.625%
HK$97,582
+HK$4,886/mo
Deposit HK$1.93M · loan HK$17.33M · min. income ≈ HK$185,392/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$722,252 · Scale 2, in force from 26 Feb 2026)