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$44,045
−HK$2,762/mo
▼ 0.25% · 3.875%
HK$45,415
−HK$1,392/mo
Today · 4.125%
HK$46,807
baseline
▲ 0.50% · 4.625%
HK$49,655
+HK$2,848/mo
Deposit HK$9.66M · loan HK$9.66M · min. income ≈ HK$93,614/mo (50% DSR)
Upfront cash ≈ HK$10.38M (deposit + AVD stamp duty HK$724,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,000
−HK$2,647/mo
▼ 0.25% · 3.875%
HK$50,314
−HK$1,333/mo
Today · 4.125%
HK$51,647
baseline
▲ 0.50% · 4.625%
HK$54,369
+HK$2,722/mo
Deposit HK$9.66M · loan HK$9.66M · min. income ≈ HK$103,294/mo (50% DSR)
Upfront cash ≈ HK$10.38M (deposit + AVD stamp duty HK$724,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,854
−HK$3,314/mo
▼ 0.25% · 3.875%
HK$54,498
−HK$1,670/mo
Today · 4.125%
HK$56,168
baseline
▲ 0.50% · 4.625%
HK$59,586
+HK$3,418/mo
Deposit HK$7.73M · loan HK$11.59M · min. income ≈ HK$112,336/mo (50% DSR)
Upfront cash ≈ HK$8.45M (deposit + AVD stamp duty HK$724,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,800
−HK$3,176/mo
▼ 0.25% · 3.875%
HK$60,377
−HK$1,599/mo
Today · 4.125%
HK$61,976
baseline
▲ 0.50% · 4.625%
HK$65,243
+HK$3,267/mo
Deposit HK$7.73M · loan HK$11.59M · min. income ≈ HK$123,952/mo (50% DSR)
Upfront cash ≈ HK$8.45M (deposit + AVD stamp duty HK$724,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,663
−HK$3,867/mo
▼ 0.25% · 3.875%
HK$63,581
−HK$1,949/mo
Today · 4.125%
HK$65,530
baseline
▲ 0.50% · 4.625%
HK$69,517
+HK$3,987/mo
Deposit HK$5.79M · loan HK$13.52M · min. income ≈ HK$131,060/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$724,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,600
−HK$3,706/mo
▼ 0.25% · 3.875%
HK$70,439
−HK$1,867/mo
Today · 4.125%
HK$72,306
baseline
▲ 0.50% · 4.625%
HK$76,117
+HK$3,811/mo
Deposit HK$5.79M · loan HK$13.52M · min. income ≈ HK$144,612/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$724,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,281
−HK$4,972/mo
▼ 0.25% · 3.875%
HK$81,747
−HK$2,506/mo
Today · 4.125%
HK$84,253
baseline
▲ 0.50% · 4.625%
HK$89,379
+HK$5,126/mo
Deposit HK$1.93M · loan HK$17.38M · min. income ≈ HK$168,506/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$724,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,199
−HK$4,766/mo
▼ 0.25% · 3.875%
HK$90,565
−HK$2,400/mo
Today · 4.125%
HK$92,965
baseline
▲ 0.50% · 4.625%
HK$97,865
+HK$4,900/mo
Deposit HK$1.93M · loan HK$17.38M · min. income ≈ HK$185,930/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$724,344 · Scale 2, in force from 26 Feb 2026)