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$43,844
−HK$2,750/mo
▼ 0.25% · 3.875%
HK$45,208
−HK$1,386/mo
Today · 4.125%
HK$46,594
baseline
▲ 0.50% · 4.625%
HK$49,429
+HK$2,835/mo
Deposit HK$9.61M · loan HK$9.61M · min. income ≈ HK$93,188/mo (50% DSR)
Upfront cash ≈ HK$10.33M (deposit + AVD stamp duty HK$721,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,777
−HK$2,635/mo
▼ 0.25% · 3.875%
HK$50,085
−HK$1,327/mo
Today · 4.125%
HK$51,412
baseline
▲ 0.50% · 4.625%
HK$54,122
+HK$2,710/mo
Deposit HK$9.61M · loan HK$9.61M · min. income ≈ HK$102,824/mo (50% DSR)
Upfront cash ≈ HK$10.33M (deposit + AVD stamp duty HK$721,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,613
−HK$3,300/mo
▼ 0.25% · 3.875%
HK$54,250
−HK$1,663/mo
Today · 4.125%
HK$55,913
baseline
▲ 0.50% · 4.625%
HK$59,315
+HK$3,402/mo
Deposit HK$7.69M · loan HK$11.54M · min. income ≈ HK$111,826/mo (50% DSR)
Upfront cash ≈ HK$8.41M (deposit + AVD stamp duty HK$721,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,532
−HK$3,162/mo
▼ 0.25% · 3.875%
HK$60,102
−HK$1,592/mo
Today · 4.125%
HK$61,694
baseline
▲ 0.50% · 4.625%
HK$64,946
+HK$3,252/mo
Deposit HK$7.69M · loan HK$11.54M · min. income ≈ HK$123,388/mo (50% DSR)
Upfront cash ≈ HK$8.41M (deposit + AVD stamp duty HK$721,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,382
−HK$3,849/mo
▼ 0.25% · 3.875%
HK$63,292
−HK$1,939/mo
Today · 4.125%
HK$65,231
baseline
▲ 0.50% · 4.625%
HK$69,201
+HK$3,970/mo
Deposit HK$5.77M · loan HK$13.46M · min. income ≈ HK$130,462/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$721,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,287
−HK$3,690/mo
▼ 0.25% · 3.875%
HK$70,119
−HK$1,858/mo
Today · 4.125%
HK$71,977
baseline
▲ 0.50% · 4.625%
HK$75,770
+HK$3,793/mo
Deposit HK$5.77M · loan HK$13.46M · min. income ≈ HK$143,954/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$721,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,920
−HK$4,949/mo
▼ 0.25% · 3.875%
HK$81,375
−HK$2,494/mo
Today · 4.125%
HK$83,869
baseline
▲ 0.50% · 4.625%
HK$88,972
+HK$5,103/mo
Deposit HK$1.92M · loan HK$17.31M · min. income ≈ HK$167,738/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$721,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,798
−HK$4,743/mo
▼ 0.25% · 3.875%
HK$90,152
−HK$2,389/mo
Today · 4.125%
HK$92,541
baseline
▲ 0.50% · 4.625%
HK$97,419
+HK$4,878/mo
Deposit HK$1.92M · loan HK$17.31M · min. income ≈ HK$185,082/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$721,046 · Scale 2, in force from 26 Feb 2026)