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$43,889
−HK$2,753/mo
▼ 0.25% · 3.875%
HK$45,255
−HK$1,387/mo
Today · 4.125%
HK$46,642
baseline
▲ 0.50% · 4.625%
HK$49,480
+HK$2,838/mo
Deposit HK$9.62M · loan HK$9.62M · min. income ≈ HK$93,284/mo (50% DSR)
Upfront cash ≈ HK$10.35M (deposit + AVD stamp duty HK$721,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,827
−HK$2,637/mo
▼ 0.25% · 3.875%
HK$50,136
−HK$1,328/mo
Today · 4.125%
HK$51,464
baseline
▲ 0.50% · 4.625%
HK$54,177
+HK$2,713/mo
Deposit HK$9.62M · loan HK$9.62M · min. income ≈ HK$102,928/mo (50% DSR)
Upfront cash ≈ HK$10.35M (deposit + AVD stamp duty HK$721,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,667
−HK$3,303/mo
▼ 0.25% · 3.875%
HK$54,306
−HK$1,664/mo
Today · 4.125%
HK$55,970
baseline
▲ 0.50% · 4.625%
HK$59,376
+HK$3,406/mo
Deposit HK$7.70M · loan HK$11.55M · min. income ≈ HK$111,940/mo (50% DSR)
Upfront cash ≈ HK$8.42M (deposit + AVD stamp duty HK$721,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,592
−HK$3,165/mo
▼ 0.25% · 3.875%
HK$60,163
−HK$1,594/mo
Today · 4.125%
HK$61,757
baseline
▲ 0.50% · 4.625%
HK$65,013
+HK$3,256/mo
Deposit HK$7.70M · loan HK$11.55M · min. income ≈ HK$123,514/mo (50% DSR)
Upfront cash ≈ HK$8.42M (deposit + AVD stamp duty HK$721,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,445
−HK$3,853/mo
▼ 0.25% · 3.875%
HK$63,356
−HK$1,942/mo
Today · 4.125%
HK$65,298
baseline
▲ 0.50% · 4.625%
HK$69,272
+HK$3,974/mo
Deposit HK$5.77M · loan HK$13.47M · min. income ≈ HK$130,596/mo (50% DSR)
Upfront cash ≈ HK$6.50M (deposit + AVD stamp duty HK$721,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,357
−HK$3,693/mo
▼ 0.25% · 3.875%
HK$70,190
−HK$1,860/mo
Today · 4.125%
HK$72,050
baseline
▲ 0.50% · 4.625%
HK$75,848
+HK$3,798/mo
Deposit HK$5.77M · loan HK$13.47M · min. income ≈ HK$144,100/mo (50% DSR)
Upfront cash ≈ HK$6.50M (deposit + AVD stamp duty HK$721,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,001
−HK$4,954/mo
▼ 0.25% · 3.875%
HK$81,458
−HK$2,497/mo
Today · 4.125%
HK$83,955
baseline
▲ 0.50% · 4.625%
HK$89,063
+HK$5,108/mo
Deposit HK$1.92M · loan HK$17.32M · min. income ≈ HK$167,910/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$721,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,888
−HK$4,748/mo
▼ 0.25% · 3.875%
HK$90,245
−HK$2,391/mo
Today · 4.125%
HK$92,636
baseline
▲ 0.50% · 4.625%
HK$97,519
+HK$4,883/mo
Deposit HK$1.92M · loan HK$17.32M · min. income ≈ HK$185,272/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$721,784 · Scale 2, in force from 26 Feb 2026)