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$43,858
−HK$2,751/mo
▼ 0.25% · 3.875%
HK$45,222
−HK$1,387/mo
Today · 4.125%
HK$46,609
baseline
▲ 0.50% · 4.625%
HK$49,445
+HK$2,836/mo
Deposit HK$9.62M · loan HK$9.62M · min. income ≈ HK$93,218/mo (50% DSR)
Upfront cash ≈ HK$10.34M (deposit + AVD stamp duty HK$721,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,792
−HK$2,636/mo
▼ 0.25% · 3.875%
HK$50,100
−HK$1,328/mo
Today · 4.125%
HK$51,428
baseline
▲ 0.50% · 4.625%
HK$54,139
+HK$2,711/mo
Deposit HK$9.62M · loan HK$9.62M · min. income ≈ HK$102,856/mo (50% DSR)
Upfront cash ≈ HK$10.34M (deposit + AVD stamp duty HK$721,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,630
−HK$3,300/mo
▼ 0.25% · 3.875%
HK$54,267
−HK$1,663/mo
Today · 4.125%
HK$55,930
baseline
▲ 0.50% · 4.625%
HK$59,333
+HK$3,403/mo
Deposit HK$7.69M · loan HK$11.54M · min. income ≈ HK$111,860/mo (50% DSR)
Upfront cash ≈ HK$8.41M (deposit + AVD stamp duty HK$721,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,550
−HK$3,163/mo
▼ 0.25% · 3.875%
HK$60,120
−HK$1,593/mo
Today · 4.125%
HK$61,713
baseline
▲ 0.50% · 4.625%
HK$64,966
+HK$3,253/mo
Deposit HK$7.69M · loan HK$11.54M · min. income ≈ HK$123,426/mo (50% DSR)
Upfront cash ≈ HK$8.41M (deposit + AVD stamp duty HK$721,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,401
−HK$3,851/mo
▼ 0.25% · 3.875%
HK$63,311
−HK$1,941/mo
Today · 4.125%
HK$65,252
baseline
▲ 0.50% · 4.625%
HK$69,222
+HK$3,970/mo
Deposit HK$5.77M · loan HK$13.46M · min. income ≈ HK$130,504/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$721,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,309
−HK$3,690/mo
▼ 0.25% · 3.875%
HK$70,141
−HK$1,858/mo
Today · 4.125%
HK$71,999
baseline
▲ 0.50% · 4.625%
HK$75,794
+HK$3,795/mo
Deposit HK$5.77M · loan HK$13.46M · min. income ≈ HK$143,998/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$721,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,945
−HK$4,950/mo
▼ 0.25% · 3.875%
HK$81,400
−HK$2,495/mo
Today · 4.125%
HK$83,895
baseline
▲ 0.50% · 4.625%
HK$89,000
+HK$5,105/mo
Deposit HK$1.92M · loan HK$17.31M · min. income ≈ HK$167,790/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$721,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,825
−HK$4,745/mo
▼ 0.25% · 3.875%
HK$90,181
−HK$2,389/mo
Today · 4.125%
HK$92,570
baseline
▲ 0.50% · 4.625%
HK$97,450
+HK$4,880/mo
Deposit HK$1.92M · loan HK$17.31M · min. income ≈ HK$185,140/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$721,271 · Scale 2, in force from 26 Feb 2026)