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$43,900
−HK$2,753/mo
▼ 0.25% · 3.875%
HK$45,266
−HK$1,387/mo
Today · 4.125%
HK$46,653
baseline
▲ 0.50% · 4.625%
HK$49,492
+HK$2,839/mo
Deposit HK$9.63M · loan HK$9.63M · min. income ≈ HK$93,306/mo (50% DSR)
Upfront cash ≈ HK$10.35M (deposit + AVD stamp duty HK$721,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,838
−HK$2,639/mo
▼ 0.25% · 3.875%
HK$50,148
−HK$1,329/mo
Today · 4.125%
HK$51,477
baseline
▲ 0.50% · 4.625%
HK$54,190
+HK$2,713/mo
Deposit HK$9.63M · loan HK$9.63M · min. income ≈ HK$102,954/mo (50% DSR)
Upfront cash ≈ HK$10.35M (deposit + AVD stamp duty HK$721,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,680
−HK$3,304/mo
▼ 0.25% · 3.875%
HK$54,319
−HK$1,665/mo
Today · 4.125%
HK$55,984
baseline
▲ 0.50% · 4.625%
HK$59,390
+HK$3,406/mo
Deposit HK$7.70M · loan HK$11.55M · min. income ≈ HK$111,968/mo (50% DSR)
Upfront cash ≈ HK$8.42M (deposit + AVD stamp duty HK$721,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,606
−HK$3,166/mo
▼ 0.25% · 3.875%
HK$60,178
−HK$1,594/mo
Today · 4.125%
HK$61,772
baseline
▲ 0.50% · 4.625%
HK$65,028
+HK$3,256/mo
Deposit HK$7.70M · loan HK$11.55M · min. income ≈ HK$123,544/mo (50% DSR)
Upfront cash ≈ HK$8.42M (deposit + AVD stamp duty HK$721,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,460
−HK$3,854/mo
▼ 0.25% · 3.875%
HK$63,372
−HK$1,942/mo
Today · 4.125%
HK$65,314
baseline
▲ 0.50% · 4.625%
HK$69,288
+HK$3,974/mo
Deposit HK$5.78M · loan HK$13.48M · min. income ≈ HK$130,628/mo (50% DSR)
Upfront cash ≈ HK$6.50M (deposit + AVD stamp duty HK$721,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,374
−HK$3,694/mo
▼ 0.25% · 3.875%
HK$70,207
−HK$1,861/mo
Today · 4.125%
HK$72,068
baseline
▲ 0.50% · 4.625%
HK$75,866
+HK$3,798/mo
Deposit HK$5.78M · loan HK$13.48M · min. income ≈ HK$144,136/mo (50% DSR)
Upfront cash ≈ HK$6.50M (deposit + AVD stamp duty HK$721,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,020
−HK$4,955/mo
▼ 0.25% · 3.875%
HK$81,478
−HK$2,497/mo
Today · 4.125%
HK$83,975
baseline
▲ 0.50% · 4.625%
HK$89,085
+HK$5,110/mo
Deposit HK$1.93M · loan HK$17.33M · min. income ≈ HK$167,950/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$721,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,909
−HK$4,749/mo
▼ 0.25% · 3.875%
HK$90,267
−HK$2,391/mo
Today · 4.125%
HK$92,658
baseline
▲ 0.50% · 4.625%
HK$97,543
+HK$4,885/mo
Deposit HK$1.93M · loan HK$17.33M · min. income ≈ HK$185,316/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$721,959 · Scale 2, in force from 26 Feb 2026)