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$43,927
−HK$2,755/mo
▼ 0.25% · 3.875%
HK$45,294
−HK$1,388/mo
Today · 4.125%
HK$46,682
baseline
▲ 0.50% · 4.625%
HK$49,522
+HK$2,840/mo
Deposit HK$9.63M · loan HK$9.63M · min. income ≈ HK$93,364/mo (50% DSR)
Upfront cash ≈ HK$10.35M (deposit + AVD stamp duty HK$722,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,869
−HK$2,640/mo
▼ 0.25% · 3.875%
HK$50,179
−HK$1,330/mo
Today · 4.125%
HK$51,509
baseline
▲ 0.50% · 4.625%
HK$54,224
+HK$2,715/mo
Deposit HK$9.63M · loan HK$9.63M · min. income ≈ HK$103,018/mo (50% DSR)
Upfront cash ≈ HK$10.35M (deposit + AVD stamp duty HK$722,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,713
−HK$3,305/mo
▼ 0.25% · 3.875%
HK$54,352
−HK$1,666/mo
Today · 4.125%
HK$56,018
baseline
▲ 0.50% · 4.625%
HK$59,427
+HK$3,409/mo
Deposit HK$7.71M · loan HK$11.56M · min. income ≈ HK$112,036/mo (50% DSR)
Upfront cash ≈ HK$8.43M (deposit + AVD stamp duty HK$722,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,642
−HK$3,169/mo
▼ 0.25% · 3.875%
HK$60,215
−HK$1,596/mo
Today · 4.125%
HK$61,811
baseline
▲ 0.50% · 4.625%
HK$65,069
+HK$3,258/mo
Deposit HK$7.71M · loan HK$11.56M · min. income ≈ HK$123,622/mo (50% DSR)
Upfront cash ≈ HK$8.43M (deposit + AVD stamp duty HK$722,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,498
−HK$3,857/mo
▼ 0.25% · 3.875%
HK$63,411
−HK$1,944/mo
Today · 4.125%
HK$65,355
baseline
▲ 0.50% · 4.625%
HK$69,331
+HK$3,976/mo
Deposit HK$5.78M · loan HK$13.48M · min. income ≈ HK$130,710/mo (50% DSR)
Upfront cash ≈ HK$6.50M (deposit + AVD stamp duty HK$722,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,416
−HK$3,696/mo
▼ 0.25% · 3.875%
HK$70,251
−HK$1,861/mo
Today · 4.125%
HK$72,112
baseline
▲ 0.50% · 4.625%
HK$75,914
+HK$3,802/mo
Deposit HK$5.78M · loan HK$13.48M · min. income ≈ HK$144,224/mo (50% DSR)
Upfront cash ≈ HK$6.50M (deposit + AVD stamp duty HK$722,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,069
−HK$4,958/mo
▼ 0.25% · 3.875%
HK$81,529
−HK$2,498/mo
Today · 4.125%
HK$84,027
baseline
▲ 0.50% · 4.625%
HK$89,140
+HK$5,113/mo
Deposit HK$1.93M · loan HK$17.34M · min. income ≈ HK$168,054/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$722,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,964
−HK$4,752/mo
▼ 0.25% · 3.875%
HK$90,323
−HK$2,393/mo
Today · 4.125%
HK$92,716
baseline
▲ 0.50% · 4.625%
HK$97,603
+HK$4,887/mo
Deposit HK$1.93M · loan HK$17.34M · min. income ≈ HK$185,432/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$722,407 · Scale 2, in force from 26 Feb 2026)