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$43,826
−HK$2,748/mo
▼ 0.25% · 3.875%
HK$45,189
−HK$1,385/mo
Today · 4.125%
HK$46,574
baseline
▲ 0.50% · 4.625%
HK$49,408
+HK$2,834/mo
Deposit HK$9.61M · loan HK$9.61M · min. income ≈ HK$93,148/mo (50% DSR)
Upfront cash ≈ HK$10.33M (deposit + AVD stamp duty HK$720,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,755
−HK$2,635/mo
▼ 0.25% · 3.875%
HK$50,063
−HK$1,327/mo
Today · 4.125%
HK$51,390
baseline
▲ 0.50% · 4.625%
HK$54,098
+HK$2,708/mo
Deposit HK$9.61M · loan HK$9.61M · min. income ≈ HK$102,780/mo (50% DSR)
Upfront cash ≈ HK$10.33M (deposit + AVD stamp duty HK$720,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,591
−HK$3,298/mo
▼ 0.25% · 3.875%
HK$54,227
−HK$1,662/mo
Today · 4.125%
HK$55,889
baseline
▲ 0.50% · 4.625%
HK$59,289
+HK$3,400/mo
Deposit HK$7.69M · loan HK$11.53M · min. income ≈ HK$111,778/mo (50% DSR)
Upfront cash ≈ HK$8.41M (deposit + AVD stamp duty HK$720,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,507
−HK$3,160/mo
▼ 0.25% · 3.875%
HK$60,076
−HK$1,591/mo
Today · 4.125%
HK$61,667
baseline
▲ 0.50% · 4.625%
HK$64,918
+HK$3,251/mo
Deposit HK$7.69M · loan HK$11.53M · min. income ≈ HK$123,334/mo (50% DSR)
Upfront cash ≈ HK$8.41M (deposit + AVD stamp duty HK$720,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,356
−HK$3,847/mo
▼ 0.25% · 3.875%
HK$63,264
−HK$1,939/mo
Today · 4.125%
HK$65,203
baseline
▲ 0.50% · 4.625%
HK$69,171
+HK$3,968/mo
Deposit HK$5.77M · loan HK$13.45M · min. income ≈ HK$130,406/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$720,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,258
−HK$3,687/mo
▼ 0.25% · 3.875%
HK$70,088
−HK$1,857/mo
Today · 4.125%
HK$71,945
baseline
▲ 0.50% · 4.625%
HK$75,738
+HK$3,793/mo
Deposit HK$5.77M · loan HK$13.45M · min. income ≈ HK$143,890/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$720,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,886
−HK$4,947/mo
▼ 0.25% · 3.875%
HK$81,340
−HK$2,493/mo
Today · 4.125%
HK$83,833
baseline
▲ 0.50% · 4.625%
HK$88,934
+HK$5,101/mo
Deposit HK$1.92M · loan HK$17.30M · min. income ≈ HK$167,666/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$720,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,760
−HK$4,741/mo
▼ 0.25% · 3.875%
HK$90,114
−HK$2,387/mo
Today · 4.125%
HK$92,501
baseline
▲ 0.50% · 4.625%
HK$97,377
+HK$4,876/mo
Deposit HK$1.92M · loan HK$17.30M · min. income ≈ HK$185,002/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$720,734 · Scale 2, in force from 26 Feb 2026)