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$44,023
−HK$2,761/mo
▼ 0.25% · 3.875%
HK$45,393
−HK$1,391/mo
Today · 4.125%
HK$46,784
baseline
▲ 0.50% · 4.625%
HK$49,631
+HK$2,847/mo
Deposit HK$9.65M · loan HK$9.65M · min. income ≈ HK$93,568/mo (50% DSR)
Upfront cash ≈ HK$10.38M (deposit + AVD stamp duty HK$723,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,976
−HK$2,646/mo
▼ 0.25% · 3.875%
HK$50,289
−HK$1,333/mo
Today · 4.125%
HK$51,622
baseline
▲ 0.50% · 4.625%
HK$54,343
+HK$2,721/mo
Deposit HK$9.65M · loan HK$9.65M · min. income ≈ HK$103,244/mo (50% DSR)
Upfront cash ≈ HK$10.38M (deposit + AVD stamp duty HK$723,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,828
−HK$3,313/mo
▼ 0.25% · 3.875%
HK$54,471
−HK$1,670/mo
Today · 4.125%
HK$56,141
baseline
▲ 0.50% · 4.625%
HK$59,557
+HK$3,416/mo
Deposit HK$7.72M · loan HK$11.58M · min. income ≈ HK$112,282/mo (50% DSR)
Upfront cash ≈ HK$8.45M (deposit + AVD stamp duty HK$723,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,771
−HK$3,175/mo
▼ 0.25% · 3.875%
HK$60,347
−HK$1,599/mo
Today · 4.125%
HK$61,946
baseline
▲ 0.50% · 4.625%
HK$65,211
+HK$3,265/mo
Deposit HK$7.72M · loan HK$11.58M · min. income ≈ HK$123,892/mo (50% DSR)
Upfront cash ≈ HK$8.45M (deposit + AVD stamp duty HK$723,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,633
−HK$3,865/mo
▼ 0.25% · 3.875%
HK$63,550
−HK$1,948/mo
Today · 4.125%
HK$65,498
baseline
▲ 0.50% · 4.625%
HK$69,483
+HK$3,985/mo
Deposit HK$5.79M · loan HK$13.51M · min. income ≈ HK$130,996/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$723,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,566
−HK$3,704/mo
▼ 0.25% · 3.875%
HK$70,405
−HK$1,865/mo
Today · 4.125%
HK$72,270
baseline
▲ 0.50% · 4.625%
HK$76,080
+HK$3,810/mo
Deposit HK$5.79M · loan HK$13.51M · min. income ≈ HK$144,540/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$723,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,242
−HK$4,969/mo
▼ 0.25% · 3.875%
HK$81,707
−HK$2,504/mo
Today · 4.125%
HK$84,211
baseline
▲ 0.50% · 4.625%
HK$89,336
+HK$5,125/mo
Deposit HK$1.93M · loan HK$17.38M · min. income ≈ HK$168,422/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$723,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,156
−HK$4,763/mo
▼ 0.25% · 3.875%
HK$90,521
−HK$2,398/mo
Today · 4.125%
HK$92,919
baseline
▲ 0.50% · 4.625%
HK$97,817
+HK$4,898/mo
Deposit HK$1.93M · loan HK$17.38M · min. income ≈ HK$185,838/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$723,990 · Scale 2, in force from 26 Feb 2026)