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$43,929
−HK$2,755/mo
▼ 0.25% · 3.875%
HK$45,295
−HK$1,389/mo
Today · 4.125%
HK$46,684
baseline
▲ 0.50% · 4.625%
HK$49,524
+HK$2,840/mo
Deposit HK$9.63M · loan HK$9.63M · min. income ≈ HK$93,368/mo (50% DSR)
Upfront cash ≈ HK$10.35M (deposit + AVD stamp duty HK$722,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,870
−HK$2,641/mo
▼ 0.25% · 3.875%
HK$50,181
−HK$1,330/mo
Today · 4.125%
HK$51,511
baseline
▲ 0.50% · 4.625%
HK$54,226
+HK$2,715/mo
Deposit HK$9.63M · loan HK$9.63M · min. income ≈ HK$103,022/mo (50% DSR)
Upfront cash ≈ HK$10.35M (deposit + AVD stamp duty HK$722,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,715
−HK$3,305/mo
▼ 0.25% · 3.875%
HK$54,354
−HK$1,666/mo
Today · 4.125%
HK$56,020
baseline
▲ 0.50% · 4.625%
HK$59,429
+HK$3,409/mo
Deposit HK$7.71M · loan HK$11.56M · min. income ≈ HK$112,040/mo (50% DSR)
Upfront cash ≈ HK$8.43M (deposit + AVD stamp duty HK$722,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,644
−HK$3,169/mo
▼ 0.25% · 3.875%
HK$60,217
−HK$1,596/mo
Today · 4.125%
HK$61,813
baseline
▲ 0.50% · 4.625%
HK$65,071
+HK$3,258/mo
Deposit HK$7.71M · loan HK$11.56M · min. income ≈ HK$123,626/mo (50% DSR)
Upfront cash ≈ HK$8.43M (deposit + AVD stamp duty HK$722,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,500
−HK$3,857/mo
▼ 0.25% · 3.875%
HK$63,413
−HK$1,944/mo
Today · 4.125%
HK$65,357
baseline
▲ 0.50% · 4.625%
HK$69,334
+HK$3,977/mo
Deposit HK$5.78M · loan HK$13.49M · min. income ≈ HK$130,714/mo (50% DSR)
Upfront cash ≈ HK$6.50M (deposit + AVD stamp duty HK$722,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,419
−HK$3,696/mo
▼ 0.25% · 3.875%
HK$70,253
−HK$1,862/mo
Today · 4.125%
HK$72,115
baseline
▲ 0.50% · 4.625%
HK$75,916
+HK$3,801/mo
Deposit HK$5.78M · loan HK$13.49M · min. income ≈ HK$144,230/mo (50% DSR)
Upfront cash ≈ HK$6.50M (deposit + AVD stamp duty HK$722,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,072
−HK$4,958/mo
▼ 0.25% · 3.875%
HK$81,531
−HK$2,499/mo
Today · 4.125%
HK$84,030
baseline
▲ 0.50% · 4.625%
HK$89,143
+HK$5,113/mo
Deposit HK$1.93M · loan HK$17.34M · min. income ≈ HK$168,060/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$722,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,967
−HK$4,752/mo
▼ 0.25% · 3.875%
HK$90,326
−HK$2,393/mo
Today · 4.125%
HK$92,719
baseline
▲ 0.50% · 4.625%
HK$97,607
+HK$4,888/mo
Deposit HK$1.93M · loan HK$17.34M · min. income ≈ HK$185,438/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$722,433 · Scale 2, in force from 26 Feb 2026)