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$44,037
−HK$2,762/mo
▼ 0.25% · 3.875%
HK$45,407
−HK$1,392/mo
Today · 4.125%
HK$46,799
baseline
▲ 0.50% · 4.625%
HK$49,647
+HK$2,848/mo
Deposit HK$9.66M · loan HK$9.66M · min. income ≈ HK$93,598/mo (50% DSR)
Upfront cash ≈ HK$10.38M (deposit + AVD stamp duty HK$724,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,991
−HK$2,647/mo
▼ 0.25% · 3.875%
HK$50,305
−HK$1,333/mo
Today · 4.125%
HK$51,638
baseline
▲ 0.50% · 4.625%
HK$54,360
+HK$2,722/mo
Deposit HK$9.66M · loan HK$9.66M · min. income ≈ HK$103,276/mo (50% DSR)
Upfront cash ≈ HK$10.38M (deposit + AVD stamp duty HK$724,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,845
−HK$3,314/mo
▼ 0.25% · 3.875%
HK$54,489
−HK$1,670/mo
Today · 4.125%
HK$56,159
baseline
▲ 0.50% · 4.625%
HK$59,576
+HK$3,417/mo
Deposit HK$7.72M · loan HK$11.59M · min. income ≈ HK$112,318/mo (50% DSR)
Upfront cash ≈ HK$8.45M (deposit + AVD stamp duty HK$724,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,789
−HK$3,177/mo
▼ 0.25% · 3.875%
HK$60,366
−HK$1,600/mo
Today · 4.125%
HK$61,966
baseline
▲ 0.50% · 4.625%
HK$65,232
+HK$3,266/mo
Deposit HK$7.72M · loan HK$11.59M · min. income ≈ HK$123,932/mo (50% DSR)
Upfront cash ≈ HK$8.45M (deposit + AVD stamp duty HK$724,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,652
−HK$3,867/mo
▼ 0.25% · 3.875%
HK$63,570
−HK$1,949/mo
Today · 4.125%
HK$65,519
baseline
▲ 0.50% · 4.625%
HK$69,505
+HK$3,986/mo
Deposit HK$5.79M · loan HK$13.52M · min. income ≈ HK$131,038/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$724,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,588
−HK$3,705/mo
▼ 0.25% · 3.875%
HK$70,427
−HK$1,866/mo
Today · 4.125%
HK$72,293
baseline
▲ 0.50% · 4.625%
HK$76,104
+HK$3,811/mo
Deposit HK$5.79M · loan HK$13.52M · min. income ≈ HK$144,586/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$724,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,267
−HK$4,971/mo
▼ 0.25% · 3.875%
HK$81,733
−HK$2,505/mo
Today · 4.125%
HK$84,238
baseline
▲ 0.50% · 4.625%
HK$89,364
+HK$5,126/mo
Deposit HK$1.93M · loan HK$17.38M · min. income ≈ HK$168,476/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$724,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,184
−HK$4,764/mo
▼ 0.25% · 3.875%
HK$90,549
−HK$2,399/mo
Today · 4.125%
HK$92,948
baseline
▲ 0.50% · 4.625%
HK$97,848
+HK$4,900/mo
Deposit HK$1.93M · loan HK$17.38M · min. income ≈ HK$185,896/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$724,218 · Scale 2, in force from 26 Feb 2026)