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$43,828
−HK$2,748/mo
▼ 0.25% · 3.875%
HK$45,191
−HK$1,385/mo
Today · 4.125%
HK$46,576
baseline
▲ 0.50% · 4.625%
HK$49,410
+HK$2,834/mo
Deposit HK$9.61M · loan HK$9.61M · min. income ≈ HK$93,152/mo (50% DSR)
Upfront cash ≈ HK$10.33M (deposit + AVD stamp duty HK$720,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,758
−HK$2,634/mo
▼ 0.25% · 3.875%
HK$50,066
−HK$1,326/mo
Today · 4.125%
HK$51,392
baseline
▲ 0.50% · 4.625%
HK$54,101
+HK$2,709/mo
Deposit HK$9.61M · loan HK$9.61M · min. income ≈ HK$102,784/mo (50% DSR)
Upfront cash ≈ HK$10.33M (deposit + AVD stamp duty HK$720,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,593
−HK$3,298/mo
▼ 0.25% · 3.875%
HK$54,229
−HK$1,662/mo
Today · 4.125%
HK$55,891
baseline
▲ 0.50% · 4.625%
HK$59,292
+HK$3,401/mo
Deposit HK$7.69M · loan HK$11.53M · min. income ≈ HK$111,782/mo (50% DSR)
Upfront cash ≈ HK$8.41M (deposit + AVD stamp duty HK$720,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,510
−HK$3,161/mo
▼ 0.25% · 3.875%
HK$60,079
−HK$1,592/mo
Today · 4.125%
HK$61,671
baseline
▲ 0.50% · 4.625%
HK$64,921
+HK$3,250/mo
Deposit HK$7.69M · loan HK$11.53M · min. income ≈ HK$123,342/mo (50% DSR)
Upfront cash ≈ HK$8.41M (deposit + AVD stamp duty HK$720,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,359
−HK$3,848/mo
▼ 0.25% · 3.875%
HK$63,268
−HK$1,939/mo
Today · 4.125%
HK$65,207
baseline
▲ 0.50% · 4.625%
HK$69,174
+HK$3,967/mo
Deposit HK$5.77M · loan HK$13.45M · min. income ≈ HK$130,414/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$720,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,261
−HK$3,688/mo
▼ 0.25% · 3.875%
HK$70,092
−HK$1,857/mo
Today · 4.125%
HK$71,949
baseline
▲ 0.50% · 4.625%
HK$75,742
+HK$3,793/mo
Deposit HK$5.77M · loan HK$13.45M · min. income ≈ HK$143,898/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$720,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,890
−HK$4,947/mo
▼ 0.25% · 3.875%
HK$81,344
−HK$2,493/mo
Today · 4.125%
HK$83,837
baseline
▲ 0.50% · 4.625%
HK$88,938
+HK$5,101/mo
Deposit HK$1.92M · loan HK$17.30M · min. income ≈ HK$167,674/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$720,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,764
−HK$4,742/mo
▼ 0.25% · 3.875%
HK$90,118
−HK$2,388/mo
Today · 4.125%
HK$92,506
baseline
▲ 0.50% · 4.625%
HK$97,382
+HK$4,876/mo
Deposit HK$1.92M · loan HK$17.30M · min. income ≈ HK$185,012/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$720,772 · Scale 2, in force from 26 Feb 2026)