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$43,925
−HK$2,754/mo
▼ 0.25% · 3.875%
HK$45,291
−HK$1,388/mo
Today · 4.125%
HK$46,679
baseline
▲ 0.50% · 4.625%
HK$49,519
+HK$2,840/mo
Deposit HK$9.63M · loan HK$9.63M · min. income ≈ HK$93,358/mo (50% DSR)
Upfront cash ≈ HK$10.35M (deposit + AVD stamp duty HK$722,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,866
−HK$2,640/mo
▼ 0.25% · 3.875%
HK$50,176
−HK$1,330/mo
Today · 4.125%
HK$51,506
baseline
▲ 0.50% · 4.625%
HK$54,221
+HK$2,715/mo
Deposit HK$9.63M · loan HK$9.63M · min. income ≈ HK$103,012/mo (50% DSR)
Upfront cash ≈ HK$10.35M (deposit + AVD stamp duty HK$722,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,709
−HK$3,306/mo
▼ 0.25% · 3.875%
HK$54,349
−HK$1,666/mo
Today · 4.125%
HK$56,015
baseline
▲ 0.50% · 4.625%
HK$59,423
+HK$3,408/mo
Deposit HK$7.71M · loan HK$11.56M · min. income ≈ HK$112,030/mo (50% DSR)
Upfront cash ≈ HK$8.43M (deposit + AVD stamp duty HK$722,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,639
−HK$3,168/mo
▼ 0.25% · 3.875%
HK$60,211
−HK$1,596/mo
Today · 4.125%
HK$61,807
baseline
▲ 0.50% · 4.625%
HK$65,065
+HK$3,258/mo
Deposit HK$7.71M · loan HK$11.56M · min. income ≈ HK$123,614/mo (50% DSR)
Upfront cash ≈ HK$8.43M (deposit + AVD stamp duty HK$722,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,494
−HK$3,857/mo
▼ 0.25% · 3.875%
HK$63,407
−HK$1,944/mo
Today · 4.125%
HK$65,351
baseline
▲ 0.50% · 4.625%
HK$69,327
+HK$3,976/mo
Deposit HK$5.78M · loan HK$13.48M · min. income ≈ HK$130,702/mo (50% DSR)
Upfront cash ≈ HK$6.50M (deposit + AVD stamp duty HK$722,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,412
−HK$3,696/mo
▼ 0.25% · 3.875%
HK$70,247
−HK$1,861/mo
Today · 4.125%
HK$72,108
baseline
▲ 0.50% · 4.625%
HK$75,909
+HK$3,801/mo
Deposit HK$5.78M · loan HK$13.48M · min. income ≈ HK$144,216/mo (50% DSR)
Upfront cash ≈ HK$6.50M (deposit + AVD stamp duty HK$722,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,064
−HK$4,958/mo
▼ 0.25% · 3.875%
HK$81,523
−HK$2,499/mo
Today · 4.125%
HK$84,022
baseline
▲ 0.50% · 4.625%
HK$89,135
+HK$5,113/mo
Deposit HK$1.93M · loan HK$17.34M · min. income ≈ HK$168,044/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$722,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,958
−HK$4,752/mo
▼ 0.25% · 3.875%
HK$90,317
−HK$2,393/mo
Today · 4.125%
HK$92,710
baseline
▲ 0.50% · 4.625%
HK$97,597
+HK$4,887/mo
Deposit HK$1.93M · loan HK$17.34M · min. income ≈ HK$185,420/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$722,362 · Scale 2, in force from 26 Feb 2026)