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$43,961
−HK$2,756/mo
▼ 0.25% · 3.875%
HK$45,328
−HK$1,389/mo
Today · 4.125%
HK$46,717
baseline
▲ 0.50% · 4.625%
HK$49,560
+HK$2,843/mo
Deposit HK$9.64M · loan HK$9.64M · min. income ≈ HK$93,434/mo (50% DSR)
Upfront cash ≈ HK$10.36M (deposit + AVD stamp duty HK$722,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,906
−HK$2,642/mo
▼ 0.25% · 3.875%
HK$50,217
−HK$1,331/mo
Today · 4.125%
HK$51,548
baseline
▲ 0.50% · 4.625%
HK$54,265
+HK$2,717/mo
Deposit HK$9.64M · loan HK$9.64M · min. income ≈ HK$103,096/mo (50% DSR)
Upfront cash ≈ HK$10.36M (deposit + AVD stamp duty HK$722,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,753
−HK$3,308/mo
▼ 0.25% · 3.875%
HK$54,394
−HK$1,667/mo
Today · 4.125%
HK$56,061
baseline
▲ 0.50% · 4.625%
HK$59,472
+HK$3,411/mo
Deposit HK$7.71M · loan HK$11.57M · min. income ≈ HK$112,122/mo (50% DSR)
Upfront cash ≈ HK$8.43M (deposit + AVD stamp duty HK$722,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,687
−HK$3,171/mo
▼ 0.25% · 3.875%
HK$60,261
−HK$1,597/mo
Today · 4.125%
HK$61,858
baseline
▲ 0.50% · 4.625%
HK$65,118
+HK$3,260/mo
Deposit HK$7.71M · loan HK$11.57M · min. income ≈ HK$123,716/mo (50% DSR)
Upfront cash ≈ HK$8.43M (deposit + AVD stamp duty HK$722,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,545
−HK$3,859/mo
▼ 0.25% · 3.875%
HK$63,459
−HK$1,945/mo
Today · 4.125%
HK$65,404
baseline
▲ 0.50% · 4.625%
HK$69,384
+HK$3,980/mo
Deposit HK$5.78M · loan HK$13.50M · min. income ≈ HK$130,808/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$722,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,468
−HK$3,699/mo
▼ 0.25% · 3.875%
HK$70,304
−HK$1,863/mo
Today · 4.125%
HK$72,167
baseline
▲ 0.50% · 4.625%
HK$75,971
+HK$3,804/mo
Deposit HK$5.78M · loan HK$13.50M · min. income ≈ HK$144,334/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$722,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,129
−HK$4,962/mo
▼ 0.25% · 3.875%
HK$81,590
−HK$2,501/mo
Today · 4.125%
HK$84,091
baseline
▲ 0.50% · 4.625%
HK$89,208
+HK$5,117/mo
Deposit HK$1.93M · loan HK$17.35M · min. income ≈ HK$168,182/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$722,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,030
−HK$4,756/mo
▼ 0.25% · 3.875%
HK$90,391
−HK$2,395/mo
Today · 4.125%
HK$92,786
baseline
▲ 0.50% · 4.625%
HK$97,677
+HK$4,891/mo
Deposit HK$1.93M · loan HK$17.35M · min. income ≈ HK$185,572/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$722,955 · Scale 2, in force from 26 Feb 2026)