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$44,062
−HK$2,763/mo
▼ 0.25% · 3.875%
HK$45,433
−HK$1,392/mo
Today · 4.125%
HK$46,825
baseline
▲ 0.50% · 4.625%
HK$49,674
+HK$2,849/mo
Deposit HK$9.66M · loan HK$9.66M · min. income ≈ HK$93,650/mo (50% DSR)
Upfront cash ≈ HK$10.39M (deposit + AVD stamp duty HK$724,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,019
−HK$2,648/mo
▼ 0.25% · 3.875%
HK$50,333
−HK$1,334/mo
Today · 4.125%
HK$51,667
baseline
▲ 0.50% · 4.625%
HK$54,391
+HK$2,724/mo
Deposit HK$9.66M · loan HK$9.66M · min. income ≈ HK$103,334/mo (50% DSR)
Upfront cash ≈ HK$10.39M (deposit + AVD stamp duty HK$724,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,875
−HK$3,315/mo
▼ 0.25% · 3.875%
HK$54,519
−HK$1,671/mo
Today · 4.125%
HK$56,190
baseline
▲ 0.50% · 4.625%
HK$59,609
+HK$3,419/mo
Deposit HK$7.73M · loan HK$11.59M · min. income ≈ HK$112,380/mo (50% DSR)
Upfront cash ≈ HK$8.45M (deposit + AVD stamp duty HK$724,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,822
−HK$3,178/mo
▼ 0.25% · 3.875%
HK$60,400
−HK$1,600/mo
Today · 4.125%
HK$62,000
baseline
▲ 0.50% · 4.625%
HK$65,269
+HK$3,269/mo
Deposit HK$7.73M · loan HK$11.59M · min. income ≈ HK$124,000/mo (50% DSR)
Upfront cash ≈ HK$8.45M (deposit + AVD stamp duty HK$724,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,687
−HK$3,868/mo
▼ 0.25% · 3.875%
HK$63,606
−HK$1,949/mo
Today · 4.125%
HK$65,555
baseline
▲ 0.50% · 4.625%
HK$69,544
+HK$3,989/mo
Deposit HK$5.80M · loan HK$13.53M · min. income ≈ HK$131,110/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$724,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,626
−HK$3,708/mo
▼ 0.25% · 3.875%
HK$70,467
−HK$1,867/mo
Today · 4.125%
HK$72,334
baseline
▲ 0.50% · 4.625%
HK$76,147
+HK$3,813/mo
Deposit HK$5.80M · loan HK$13.53M · min. income ≈ HK$144,668/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$724,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,312
−HK$4,974/mo
▼ 0.25% · 3.875%
HK$81,779
−HK$2,507/mo
Today · 4.125%
HK$84,286
baseline
▲ 0.50% · 4.625%
HK$89,414
+HK$5,128/mo
Deposit HK$1.93M · loan HK$17.39M · min. income ≈ HK$168,572/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$724,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,234
−HK$4,767/mo
▼ 0.25% · 3.875%
HK$90,600
−HK$2,401/mo
Today · 4.125%
HK$93,001
baseline
▲ 0.50% · 4.625%
HK$97,903
+HK$4,902/mo
Deposit HK$1.93M · loan HK$17.39M · min. income ≈ HK$186,002/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$724,626 · Scale 2, in force from 26 Feb 2026)