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$43,922
−HK$2,754/mo
▼ 0.25% · 3.875%
HK$45,288
−HK$1,388/mo
Today · 4.125%
HK$46,676
baseline
▲ 0.50% · 4.625%
HK$49,516
+HK$2,840/mo
Deposit HK$9.63M · loan HK$9.63M · min. income ≈ HK$93,352/mo (50% DSR)
Upfront cash ≈ HK$10.35M (deposit + AVD stamp duty HK$722,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,863
−HK$2,640/mo
▼ 0.25% · 3.875%
HK$50,173
−HK$1,330/mo
Today · 4.125%
HK$51,503
baseline
▲ 0.50% · 4.625%
HK$54,217
+HK$2,714/mo
Deposit HK$9.63M · loan HK$9.63M · min. income ≈ HK$103,006/mo (50% DSR)
Upfront cash ≈ HK$10.35M (deposit + AVD stamp duty HK$722,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,706
−HK$3,305/mo
▼ 0.25% · 3.875%
HK$54,346
−HK$1,665/mo
Today · 4.125%
HK$56,011
baseline
▲ 0.50% · 4.625%
HK$59,420
+HK$3,409/mo
Deposit HK$7.70M · loan HK$11.56M · min. income ≈ HK$112,022/mo (50% DSR)
Upfront cash ≈ HK$8.43M (deposit + AVD stamp duty HK$722,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,635
−HK$3,168/mo
▼ 0.25% · 3.875%
HK$60,208
−HK$1,595/mo
Today · 4.125%
HK$61,803
baseline
▲ 0.50% · 4.625%
HK$65,061
+HK$3,258/mo
Deposit HK$7.70M · loan HK$11.56M · min. income ≈ HK$123,606/mo (50% DSR)
Upfront cash ≈ HK$8.43M (deposit + AVD stamp duty HK$722,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,491
−HK$3,856/mo
▼ 0.25% · 3.875%
HK$63,403
−HK$1,944/mo
Today · 4.125%
HK$65,347
baseline
▲ 0.50% · 4.625%
HK$69,323
+HK$3,976/mo
Deposit HK$5.78M · loan HK$13.48M · min. income ≈ HK$130,694/mo (50% DSR)
Upfront cash ≈ HK$6.50M (deposit + AVD stamp duty HK$722,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,408
−HK$3,696/mo
▼ 0.25% · 3.875%
HK$70,242
−HK$1,862/mo
Today · 4.125%
HK$72,104
baseline
▲ 0.50% · 4.625%
HK$75,904
+HK$3,800/mo
Deposit HK$5.78M · loan HK$13.48M · min. income ≈ HK$144,208/mo (50% DSR)
Upfront cash ≈ HK$6.50M (deposit + AVD stamp duty HK$722,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,059
−HK$4,958/mo
▼ 0.25% · 3.875%
HK$81,519
−HK$2,498/mo
Today · 4.125%
HK$84,017
baseline
▲ 0.50% · 4.625%
HK$89,129
+HK$5,112/mo
Deposit HK$1.93M · loan HK$17.34M · min. income ≈ HK$168,034/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$722,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,953
−HK$4,752/mo
▼ 0.25% · 3.875%
HK$90,312
−HK$2,393/mo
Today · 4.125%
HK$92,705
baseline
▲ 0.50% · 4.625%
HK$97,591
+HK$4,886/mo
Deposit HK$1.93M · loan HK$17.34M · min. income ≈ HK$185,410/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$722,318 · Scale 2, in force from 26 Feb 2026)