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$43,909
−HK$2,754/mo
▼ 0.25% · 3.875%
HK$45,275
−HK$1,388/mo
Today · 4.125%
HK$46,663
baseline
▲ 0.50% · 4.625%
HK$49,502
+HK$2,839/mo
Deposit HK$9.63M · loan HK$9.63M · min. income ≈ HK$93,326/mo (50% DSR)
Upfront cash ≈ HK$10.35M (deposit + AVD stamp duty HK$722,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,849
−HK$2,639/mo
▼ 0.25% · 3.875%
HK$50,159
−HK$1,329/mo
Today · 4.125%
HK$51,488
baseline
▲ 0.50% · 4.625%
HK$54,202
+HK$2,714/mo
Deposit HK$9.63M · loan HK$9.63M · min. income ≈ HK$102,976/mo (50% DSR)
Upfront cash ≈ HK$10.35M (deposit + AVD stamp duty HK$722,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,691
−HK$3,304/mo
▼ 0.25% · 3.875%
HK$54,330
−HK$1,665/mo
Today · 4.125%
HK$55,995
baseline
▲ 0.50% · 4.625%
HK$59,403
+HK$3,408/mo
Deposit HK$7.70M · loan HK$11.55M · min. income ≈ HK$111,990/mo (50% DSR)
Upfront cash ≈ HK$8.42M (deposit + AVD stamp duty HK$722,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,618
−HK$3,167/mo
▼ 0.25% · 3.875%
HK$60,190
−HK$1,595/mo
Today · 4.125%
HK$61,785
baseline
▲ 0.50% · 4.625%
HK$65,042
+HK$3,257/mo
Deposit HK$7.70M · loan HK$11.55M · min. income ≈ HK$123,570/mo (50% DSR)
Upfront cash ≈ HK$8.42M (deposit + AVD stamp duty HK$722,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,473
−HK$3,855/mo
▼ 0.25% · 3.875%
HK$63,385
−HK$1,943/mo
Today · 4.125%
HK$65,328
baseline
▲ 0.50% · 4.625%
HK$69,303
+HK$3,975/mo
Deposit HK$5.78M · loan HK$13.48M · min. income ≈ HK$130,656/mo (50% DSR)
Upfront cash ≈ HK$6.50M (deposit + AVD stamp duty HK$722,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,388
−HK$3,695/mo
▼ 0.25% · 3.875%
HK$70,222
−HK$1,861/mo
Today · 4.125%
HK$72,083
baseline
▲ 0.50% · 4.625%
HK$75,882
+HK$3,799/mo
Deposit HK$5.78M · loan HK$13.48M · min. income ≈ HK$144,166/mo (50% DSR)
Upfront cash ≈ HK$6.50M (deposit + AVD stamp duty HK$722,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,037
−HK$4,956/mo
▼ 0.25% · 3.875%
HK$81,495
−HK$2,498/mo
Today · 4.125%
HK$83,993
baseline
▲ 0.50% · 4.625%
HK$89,104
+HK$5,111/mo
Deposit HK$1.93M · loan HK$17.33M · min. income ≈ HK$167,986/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$722,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,928
−HK$4,750/mo
▼ 0.25% · 3.875%
HK$90,286
−HK$2,392/mo
Today · 4.125%
HK$92,678
baseline
▲ 0.50% · 4.625%
HK$97,563
+HK$4,885/mo
Deposit HK$1.93M · loan HK$17.33M · min. income ≈ HK$185,356/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$722,111 · Scale 2, in force from 26 Feb 2026)