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$44,002
−HK$2,759/mo
▼ 0.25% · 3.875%
HK$45,371
−HK$1,390/mo
Today · 4.125%
HK$46,761
baseline
▲ 0.50% · 4.625%
HK$49,607
+HK$2,846/mo
Deposit HK$9.65M · loan HK$9.65M · min. income ≈ HK$93,522/mo (50% DSR)
Upfront cash ≈ HK$10.37M (deposit + AVD stamp duty HK$723,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,952
−HK$2,645/mo
▼ 0.25% · 3.875%
HK$50,265
−HK$1,332/mo
Today · 4.125%
HK$51,597
baseline
▲ 0.50% · 4.625%
HK$54,316
+HK$2,719/mo
Deposit HK$9.65M · loan HK$9.65M · min. income ≈ HK$103,194/mo (50% DSR)
Upfront cash ≈ HK$10.37M (deposit + AVD stamp duty HK$723,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,803
−HK$3,311/mo
▼ 0.25% · 3.875%
HK$54,445
−HK$1,669/mo
Today · 4.125%
HK$56,114
baseline
▲ 0.50% · 4.625%
HK$59,528
+HK$3,414/mo
Deposit HK$7.72M · loan HK$11.58M · min. income ≈ HK$112,228/mo (50% DSR)
Upfront cash ≈ HK$8.44M (deposit + AVD stamp duty HK$723,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,742
−HK$3,174/mo
▼ 0.25% · 3.875%
HK$60,318
−HK$1,598/mo
Today · 4.125%
HK$61,916
baseline
▲ 0.50% · 4.625%
HK$65,180
+HK$3,264/mo
Deposit HK$7.72M · loan HK$11.58M · min. income ≈ HK$123,832/mo (50% DSR)
Upfront cash ≈ HK$8.44M (deposit + AVD stamp duty HK$723,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,603
−HK$3,863/mo
▼ 0.25% · 3.875%
HK$63,519
−HK$1,947/mo
Today · 4.125%
HK$65,466
baseline
▲ 0.50% · 4.625%
HK$69,450
+HK$3,984/mo
Deposit HK$5.79M · loan HK$13.51M · min. income ≈ HK$130,932/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$723,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,533
−HK$3,702/mo
▼ 0.25% · 3.875%
HK$70,371
−HK$1,864/mo
Today · 4.125%
HK$72,235
baseline
▲ 0.50% · 4.625%
HK$76,043
+HK$3,808/mo
Deposit HK$5.79M · loan HK$13.51M · min. income ≈ HK$144,470/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$723,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,204
−HK$4,967/mo
▼ 0.25% · 3.875%
HK$81,668
−HK$2,503/mo
Today · 4.125%
HK$84,171
baseline
▲ 0.50% · 4.625%
HK$89,292
+HK$5,121/mo
Deposit HK$1.93M · loan HK$17.37M · min. income ≈ HK$168,342/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$723,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,114
−HK$4,760/mo
▼ 0.25% · 3.875%
HK$90,477
−HK$2,397/mo
Today · 4.125%
HK$92,874
baseline
▲ 0.50% · 4.625%
HK$97,770
+HK$4,896/mo
Deposit HK$1.93M · loan HK$17.37M · min. income ≈ HK$185,748/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$723,639 · Scale 2, in force from 26 Feb 2026)