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$44,032
−HK$2,761/mo
▼ 0.25% · 3.875%
HK$45,401
−HK$1,392/mo
Today · 4.125%
HK$46,793
baseline
▲ 0.50% · 4.625%
HK$49,640
+HK$2,847/mo
Deposit HK$9.65M · loan HK$9.65M · min. income ≈ HK$93,586/mo (50% DSR)
Upfront cash ≈ HK$10.38M (deposit + AVD stamp duty HK$724,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,985
−HK$2,646/mo
▼ 0.25% · 3.875%
HK$50,298
−HK$1,333/mo
Today · 4.125%
HK$51,631
baseline
▲ 0.50% · 4.625%
HK$54,353
+HK$2,722/mo
Deposit HK$9.65M · loan HK$9.65M · min. income ≈ HK$103,262/mo (50% DSR)
Upfront cash ≈ HK$10.38M (deposit + AVD stamp duty HK$724,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,838
−HK$3,313/mo
▼ 0.25% · 3.875%
HK$54,481
−HK$1,670/mo
Today · 4.125%
HK$56,151
baseline
▲ 0.50% · 4.625%
HK$59,568
+HK$3,417/mo
Deposit HK$7.72M · loan HK$11.59M · min. income ≈ HK$112,302/mo (50% DSR)
Upfront cash ≈ HK$8.45M (deposit + AVD stamp duty HK$724,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,782
−HK$3,175/mo
▼ 0.25% · 3.875%
HK$60,358
−HK$1,599/mo
Today · 4.125%
HK$61,957
baseline
▲ 0.50% · 4.625%
HK$65,223
+HK$3,266/mo
Deposit HK$7.72M · loan HK$11.59M · min. income ≈ HK$123,914/mo (50% DSR)
Upfront cash ≈ HK$8.45M (deposit + AVD stamp duty HK$724,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,644
−HK$3,866/mo
▼ 0.25% · 3.875%
HK$63,562
−HK$1,948/mo
Today · 4.125%
HK$65,510
baseline
▲ 0.50% · 4.625%
HK$69,496
+HK$3,986/mo
Deposit HK$5.79M · loan HK$13.52M · min. income ≈ HK$131,020/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$724,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,579
−HK$3,705/mo
▼ 0.25% · 3.875%
HK$70,418
−HK$1,866/mo
Today · 4.125%
HK$72,284
baseline
▲ 0.50% · 4.625%
HK$76,094
+HK$3,810/mo
Deposit HK$5.79M · loan HK$13.52M · min. income ≈ HK$144,568/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$724,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,257
−HK$4,970/mo
▼ 0.25% · 3.875%
HK$81,722
−HK$2,505/mo
Today · 4.125%
HK$84,227
baseline
▲ 0.50% · 4.625%
HK$89,352
+HK$5,125/mo
Deposit HK$1.93M · loan HK$17.38M · min. income ≈ HK$168,454/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$724,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,172
−HK$4,764/mo
▼ 0.25% · 3.875%
HK$90,537
−HK$2,399/mo
Today · 4.125%
HK$92,936
baseline
▲ 0.50% · 4.625%
HK$97,835
+HK$4,899/mo
Deposit HK$1.93M · loan HK$17.38M · min. income ≈ HK$185,872/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$724,123 · Scale 2, in force from 26 Feb 2026)