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$44,028
−HK$2,761/mo
▼ 0.25% · 3.875%
HK$45,398
−HK$1,391/mo
Today · 4.125%
HK$46,789
baseline
▲ 0.50% · 4.625%
HK$49,636
+HK$2,847/mo
Deposit HK$9.65M · loan HK$9.65M · min. income ≈ HK$93,578/mo (50% DSR)
Upfront cash ≈ HK$10.38M (deposit + AVD stamp duty HK$724,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,981
−HK$2,646/mo
▼ 0.25% · 3.875%
HK$50,295
−HK$1,332/mo
Today · 4.125%
HK$51,627
baseline
▲ 0.50% · 4.625%
HK$54,349
+HK$2,722/mo
Deposit HK$9.65M · loan HK$9.65M · min. income ≈ HK$103,254/mo (50% DSR)
Upfront cash ≈ HK$10.38M (deposit + AVD stamp duty HK$724,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,834
−HK$3,313/mo
▼ 0.25% · 3.875%
HK$54,477
−HK$1,670/mo
Today · 4.125%
HK$56,147
baseline
▲ 0.50% · 4.625%
HK$59,564
+HK$3,417/mo
Deposit HK$7.72M · loan HK$11.59M · min. income ≈ HK$112,294/mo (50% DSR)
Upfront cash ≈ HK$8.45M (deposit + AVD stamp duty HK$724,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,777
−HK$3,176/mo
▼ 0.25% · 3.875%
HK$60,354
−HK$1,599/mo
Today · 4.125%
HK$61,953
baseline
▲ 0.50% · 4.625%
HK$65,218
+HK$3,265/mo
Deposit HK$7.72M · loan HK$11.59M · min. income ≈ HK$123,906/mo (50% DSR)
Upfront cash ≈ HK$8.45M (deposit + AVD stamp duty HK$724,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,640
−HK$3,865/mo
▼ 0.25% · 3.875%
HK$63,557
−HK$1,948/mo
Today · 4.125%
HK$65,505
baseline
▲ 0.50% · 4.625%
HK$69,491
+HK$3,986/mo
Deposit HK$5.79M · loan HK$13.52M · min. income ≈ HK$131,010/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$724,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,573
−HK$3,705/mo
▼ 0.25% · 3.875%
HK$70,413
−HK$1,865/mo
Today · 4.125%
HK$72,278
baseline
▲ 0.50% · 4.625%
HK$76,088
+HK$3,810/mo
Deposit HK$5.79M · loan HK$13.52M · min. income ≈ HK$144,556/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$724,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,251
−HK$4,970/mo
▼ 0.25% · 3.875%
HK$81,716
−HK$2,505/mo
Today · 4.125%
HK$84,221
baseline
▲ 0.50% · 4.625%
HK$89,345
+HK$5,124/mo
Deposit HK$1.93M · loan HK$17.38M · min. income ≈ HK$168,442/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$724,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,166
−HK$4,763/mo
▼ 0.25% · 3.875%
HK$90,530
−HK$2,399/mo
Today · 4.125%
HK$92,929
baseline
▲ 0.50% · 4.625%
HK$97,828
+HK$4,899/mo
Deposit HK$1.93M · loan HK$17.38M · min. income ≈ HK$185,858/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$724,068 · Scale 2, in force from 26 Feb 2026)