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$43,981
−HK$2,758/mo
▼ 0.25% · 3.875%
HK$45,349
−HK$1,390/mo
Today · 4.125%
HK$46,739
baseline
▲ 0.50% · 4.625%
HK$49,583
+HK$2,844/mo
Deposit HK$9.64M · loan HK$9.64M · min. income ≈ HK$93,478/mo (50% DSR)
Upfront cash ≈ HK$10.37M (deposit + AVD stamp duty HK$723,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,929
−HK$2,643/mo
▼ 0.25% · 3.875%
HK$50,241
−HK$1,331/mo
Today · 4.125%
HK$51,572
baseline
▲ 0.50% · 4.625%
HK$54,291
+HK$2,719/mo
Deposit HK$9.64M · loan HK$9.64M · min. income ≈ HK$103,144/mo (50% DSR)
Upfront cash ≈ HK$10.37M (deposit + AVD stamp duty HK$723,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,778
−HK$3,309/mo
▼ 0.25% · 3.875%
HK$54,419
−HK$1,668/mo
Today · 4.125%
HK$56,087
baseline
▲ 0.50% · 4.625%
HK$59,500
+HK$3,413/mo
Deposit HK$7.72M · loan HK$11.57M · min. income ≈ HK$112,174/mo (50% DSR)
Upfront cash ≈ HK$8.44M (deposit + AVD stamp duty HK$723,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,715
−HK$3,172/mo
▼ 0.25% · 3.875%
HK$60,289
−HK$1,598/mo
Today · 4.125%
HK$61,887
baseline
▲ 0.50% · 4.625%
HK$65,149
+HK$3,262/mo
Deposit HK$7.72M · loan HK$11.57M · min. income ≈ HK$123,774/mo (50% DSR)
Upfront cash ≈ HK$8.44M (deposit + AVD stamp duty HK$723,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,574
−HK$3,861/mo
▼ 0.25% · 3.875%
HK$63,489
−HK$1,946/mo
Today · 4.125%
HK$65,435
baseline
▲ 0.50% · 4.625%
HK$69,417
+HK$3,982/mo
Deposit HK$5.79M · loan HK$13.50M · min. income ≈ HK$130,870/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$723,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,500
−HK$3,701/mo
▼ 0.25% · 3.875%
HK$70,338
−HK$1,863/mo
Today · 4.125%
HK$72,201
baseline
▲ 0.50% · 4.625%
HK$76,007
+HK$3,806/mo
Deposit HK$5.79M · loan HK$13.50M · min. income ≈ HK$144,402/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$723,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,166
−HK$4,965/mo
▼ 0.25% · 3.875%
HK$81,629
−HK$2,502/mo
Today · 4.125%
HK$84,131
baseline
▲ 0.50% · 4.625%
HK$89,250
+HK$5,119/mo
Deposit HK$1.93M · loan HK$17.36M · min. income ≈ HK$168,262/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$723,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,072
−HK$4,758/mo
▼ 0.25% · 3.875%
HK$90,434
−HK$2,396/mo
Today · 4.125%
HK$92,830
baseline
▲ 0.50% · 4.625%
HK$97,723
+HK$4,893/mo
Deposit HK$1.93M · loan HK$17.36M · min. income ≈ HK$185,660/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$723,297 · Scale 2, in force from 26 Feb 2026)