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$43,990
−HK$2,758/mo
▼ 0.25% · 3.875%
HK$45,358
−HK$1,390/mo
Today · 4.125%
HK$46,748
baseline
▲ 0.50% · 4.625%
HK$49,593
+HK$2,845/mo
Deposit HK$9.65M · loan HK$9.65M · min. income ≈ HK$93,496/mo (50% DSR)
Upfront cash ≈ HK$10.37M (deposit + AVD stamp duty HK$723,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,938
−HK$2,644/mo
▼ 0.25% · 3.875%
HK$50,251
−HK$1,331/mo
Today · 4.125%
HK$51,582
baseline
▲ 0.50% · 4.625%
HK$54,301
+HK$2,719/mo
Deposit HK$9.65M · loan HK$9.65M · min. income ≈ HK$103,164/mo (50% DSR)
Upfront cash ≈ HK$10.37M (deposit + AVD stamp duty HK$723,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,788
−HK$3,310/mo
▼ 0.25% · 3.875%
HK$54,430
−HK$1,668/mo
Today · 4.125%
HK$56,098
baseline
▲ 0.50% · 4.625%
HK$59,512
+HK$3,414/mo
Deposit HK$7.72M · loan HK$11.57M · min. income ≈ HK$112,196/mo (50% DSR)
Upfront cash ≈ HK$8.44M (deposit + AVD stamp duty HK$723,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,726
−HK$3,173/mo
▼ 0.25% · 3.875%
HK$60,301
−HK$1,598/mo
Today · 4.125%
HK$61,899
baseline
▲ 0.50% · 4.625%
HK$65,162
+HK$3,263/mo
Deposit HK$7.72M · loan HK$11.57M · min. income ≈ HK$123,798/mo (50% DSR)
Upfront cash ≈ HK$8.44M (deposit + AVD stamp duty HK$723,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,586
−HK$3,862/mo
▼ 0.25% · 3.875%
HK$63,502
−HK$1,946/mo
Today · 4.125%
HK$65,448
baseline
▲ 0.50% · 4.625%
HK$69,430
+HK$3,982/mo
Deposit HK$5.79M · loan HK$13.50M · min. income ≈ HK$130,896/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$723,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,514
−HK$3,701/mo
▼ 0.25% · 3.875%
HK$70,351
−HK$1,864/mo
Today · 4.125%
HK$72,215
baseline
▲ 0.50% · 4.625%
HK$76,022
+HK$3,807/mo
Deposit HK$5.79M · loan HK$13.50M · min. income ≈ HK$144,430/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$723,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,182
−HK$4,965/mo
▼ 0.25% · 3.875%
HK$81,645
−HK$2,502/mo
Today · 4.125%
HK$84,147
baseline
▲ 0.50% · 4.625%
HK$89,267
+HK$5,120/mo
Deposit HK$1.93M · loan HK$17.36M · min. income ≈ HK$168,294/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$723,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,089
−HK$4,759/mo
▼ 0.25% · 3.875%
HK$90,451
−HK$2,397/mo
Today · 4.125%
HK$92,848
baseline
▲ 0.50% · 4.625%
HK$97,742
+HK$4,894/mo
Deposit HK$1.93M · loan HK$17.36M · min. income ≈ HK$185,696/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$723,437 · Scale 2, in force from 26 Feb 2026)