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$43,840
−HK$2,749/mo
▼ 0.25% · 3.875%
HK$45,204
−HK$1,385/mo
Today · 4.125%
HK$46,589
baseline
▲ 0.50% · 4.625%
HK$49,424
+HK$2,835/mo
Deposit HK$9.61M · loan HK$9.61M · min. income ≈ HK$93,178/mo (50% DSR)
Upfront cash ≈ HK$10.33M (deposit + AVD stamp duty HK$720,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,772
−HK$2,635/mo
▼ 0.25% · 3.875%
HK$50,080
−HK$1,327/mo
Today · 4.125%
HK$51,407
baseline
▲ 0.50% · 4.625%
HK$54,117
+HK$2,710/mo
Deposit HK$9.61M · loan HK$9.61M · min. income ≈ HK$102,814/mo (50% DSR)
Upfront cash ≈ HK$10.33M (deposit + AVD stamp duty HK$720,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,608
−HK$3,299/mo
▼ 0.25% · 3.875%
HK$54,245
−HK$1,662/mo
Today · 4.125%
HK$55,907
baseline
▲ 0.50% · 4.625%
HK$59,309
+HK$3,402/mo
Deposit HK$7.69M · loan HK$11.54M · min. income ≈ HK$111,814/mo (50% DSR)
Upfront cash ≈ HK$8.41M (deposit + AVD stamp duty HK$720,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,526
−HK$3,162/mo
▼ 0.25% · 3.875%
HK$60,096
−HK$1,592/mo
Today · 4.125%
HK$61,688
baseline
▲ 0.50% · 4.625%
HK$64,940
+HK$3,252/mo
Deposit HK$7.69M · loan HK$11.54M · min. income ≈ HK$123,376/mo (50% DSR)
Upfront cash ≈ HK$8.41M (deposit + AVD stamp duty HK$720,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,376
−HK$3,849/mo
▼ 0.25% · 3.875%
HK$63,285
−HK$1,940/mo
Today · 4.125%
HK$65,225
baseline
▲ 0.50% · 4.625%
HK$69,194
+HK$3,969/mo
Deposit HK$5.77M · loan HK$13.46M · min. income ≈ HK$130,450/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$720,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,281
−HK$3,689/mo
▼ 0.25% · 3.875%
HK$70,112
−HK$1,858/mo
Today · 4.125%
HK$71,970
baseline
▲ 0.50% · 4.625%
HK$75,763
+HK$3,793/mo
Deposit HK$5.77M · loan HK$13.46M · min. income ≈ HK$143,940/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$720,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,912
−HK$4,949/mo
▼ 0.25% · 3.875%
HK$81,367
−HK$2,494/mo
Today · 4.125%
HK$83,861
baseline
▲ 0.50% · 4.625%
HK$88,964
+HK$5,103/mo
Deposit HK$1.92M · loan HK$17.30M · min. income ≈ HK$167,722/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$720,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,789
−HK$4,743/mo
▼ 0.25% · 3.875%
HK$90,144
−HK$2,388/mo
Today · 4.125%
HK$92,532
baseline
▲ 0.50% · 4.625%
HK$97,410
+HK$4,878/mo
Deposit HK$1.92M · loan HK$17.30M · min. income ≈ HK$185,064/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$720,976 · Scale 2, in force from 26 Feb 2026)