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$43,970
−HK$2,758/mo
▼ 0.25% · 3.875%
HK$45,338
−HK$1,390/mo
Today · 4.125%
HK$46,728
baseline
▲ 0.50% · 4.625%
HK$49,571
+HK$2,843/mo
Deposit HK$9.64M · loan HK$9.64M · min. income ≈ HK$93,456/mo (50% DSR)
Upfront cash ≈ HK$10.36M (deposit + AVD stamp duty HK$723,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,916
−HK$2,643/mo
▼ 0.25% · 3.875%
HK$50,228
−HK$1,331/mo
Today · 4.125%
HK$51,559
baseline
▲ 0.50% · 4.625%
HK$54,277
+HK$2,718/mo
Deposit HK$9.64M · loan HK$9.64M · min. income ≈ HK$103,118/mo (50% DSR)
Upfront cash ≈ HK$10.36M (deposit + AVD stamp duty HK$723,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,764
−HK$3,309/mo
▼ 0.25% · 3.875%
HK$54,406
−HK$1,667/mo
Today · 4.125%
HK$56,073
baseline
▲ 0.50% · 4.625%
HK$59,485
+HK$3,412/mo
Deposit HK$7.71M · loan HK$11.57M · min. income ≈ HK$112,146/mo (50% DSR)
Upfront cash ≈ HK$8.44M (deposit + AVD stamp duty HK$723,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,700
−HK$3,171/mo
▼ 0.25% · 3.875%
HK$60,274
−HK$1,597/mo
Today · 4.125%
HK$61,871
baseline
▲ 0.50% · 4.625%
HK$65,132
+HK$3,261/mo
Deposit HK$7.71M · loan HK$11.57M · min. income ≈ HK$123,742/mo (50% DSR)
Upfront cash ≈ HK$8.44M (deposit + AVD stamp duty HK$723,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,558
−HK$3,861/mo
▼ 0.25% · 3.875%
HK$63,473
−HK$1,946/mo
Today · 4.125%
HK$65,419
baseline
▲ 0.50% · 4.625%
HK$69,399
+HK$3,980/mo
Deposit HK$5.78M · loan HK$13.50M · min. income ≈ HK$130,838/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$723,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,483
−HK$3,700/mo
▼ 0.25% · 3.875%
HK$70,320
−HK$1,863/mo
Today · 4.125%
HK$72,183
baseline
▲ 0.50% · 4.625%
HK$75,988
+HK$3,805/mo
Deposit HK$5.78M · loan HK$13.50M · min. income ≈ HK$144,366/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$723,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,146
−HK$4,964/mo
▼ 0.25% · 3.875%
HK$81,608
−HK$2,502/mo
Today · 4.125%
HK$84,110
baseline
▲ 0.50% · 4.625%
HK$89,227
+HK$5,117/mo
Deposit HK$1.93M · loan HK$17.35M · min. income ≈ HK$168,220/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$723,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,050
−HK$4,757/mo
▼ 0.25% · 3.875%
HK$90,411
−HK$2,396/mo
Today · 4.125%
HK$92,807
baseline
▲ 0.50% · 4.625%
HK$97,699
+HK$4,892/mo
Deposit HK$1.93M · loan HK$17.35M · min. income ≈ HK$185,614/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$723,114 · Scale 2, in force from 26 Feb 2026)