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$43,850
−HK$2,749/mo
▼ 0.25% · 3.875%
HK$45,214
−HK$1,385/mo
Today · 4.125%
HK$46,599
baseline
▲ 0.50% · 4.625%
HK$49,435
+HK$2,836/mo
Deposit HK$9.62M · loan HK$9.62M · min. income ≈ HK$93,198/mo (50% DSR)
Upfront cash ≈ HK$10.34M (deposit + AVD stamp duty HK$721,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,782
−HK$2,636/mo
▼ 0.25% · 3.875%
HK$50,091
−HK$1,327/mo
Today · 4.125%
HK$51,418
baseline
▲ 0.50% · 4.625%
HK$54,128
+HK$2,710/mo
Deposit HK$9.62M · loan HK$9.62M · min. income ≈ HK$102,836/mo (50% DSR)
Upfront cash ≈ HK$10.34M (deposit + AVD stamp duty HK$721,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,620
−HK$3,299/mo
▼ 0.25% · 3.875%
HK$54,256
−HK$1,663/mo
Today · 4.125%
HK$55,919
baseline
▲ 0.50% · 4.625%
HK$59,322
+HK$3,403/mo
Deposit HK$7.69M · loan HK$11.54M · min. income ≈ HK$111,838/mo (50% DSR)
Upfront cash ≈ HK$8.41M (deposit + AVD stamp duty HK$721,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,539
−HK$3,162/mo
▼ 0.25% · 3.875%
HK$60,109
−HK$1,592/mo
Today · 4.125%
HK$61,701
baseline
▲ 0.50% · 4.625%
HK$64,954
+HK$3,253/mo
Deposit HK$7.69M · loan HK$11.54M · min. income ≈ HK$123,402/mo (50% DSR)
Upfront cash ≈ HK$8.41M (deposit + AVD stamp duty HK$721,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,390
−HK$3,849/mo
▼ 0.25% · 3.875%
HK$63,299
−HK$1,940/mo
Today · 4.125%
HK$65,239
baseline
▲ 0.50% · 4.625%
HK$69,209
+HK$3,970/mo
Deposit HK$5.77M · loan HK$13.46M · min. income ≈ HK$130,478/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$721,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,295
−HK$3,690/mo
▼ 0.25% · 3.875%
HK$70,127
−HK$1,858/mo
Today · 4.125%
HK$71,985
baseline
▲ 0.50% · 4.625%
HK$75,779
+HK$3,794/mo
Deposit HK$5.77M · loan HK$13.46M · min. income ≈ HK$143,970/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$721,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,929
−HK$4,950/mo
▼ 0.25% · 3.875%
HK$81,385
−HK$2,494/mo
Today · 4.125%
HK$83,879
baseline
▲ 0.50% · 4.625%
HK$88,983
+HK$5,104/mo
Deposit HK$1.92M · loan HK$17.31M · min. income ≈ HK$167,758/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$721,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,808
−HK$4,744/mo
▼ 0.25% · 3.875%
HK$90,163
−HK$2,389/mo
Today · 4.125%
HK$92,552
baseline
▲ 0.50% · 4.625%
HK$97,431
+HK$4,879/mo
Deposit HK$1.92M · loan HK$17.31M · min. income ≈ HK$185,104/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$721,131 · Scale 2, in force from 26 Feb 2026)