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$43,840
−HK$2,749/mo
▼ 0.25% · 3.875%
HK$45,203
−HK$1,386/mo
Today · 4.125%
HK$46,589
baseline
▲ 0.50% · 4.625%
HK$49,424
+HK$2,835/mo
Deposit HK$9.61M · loan HK$9.61M · min. income ≈ HK$93,178/mo (50% DSR)
Upfront cash ≈ HK$10.33M (deposit + AVD stamp duty HK$720,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,771
−HK$2,635/mo
▼ 0.25% · 3.875%
HK$50,079
−HK$1,327/mo
Today · 4.125%
HK$51,406
baseline
▲ 0.50% · 4.625%
HK$54,116
+HK$2,710/mo
Deposit HK$9.61M · loan HK$9.61M · min. income ≈ HK$102,812/mo (50% DSR)
Upfront cash ≈ HK$10.33M (deposit + AVD stamp duty HK$720,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,608
−HK$3,299/mo
▼ 0.25% · 3.875%
HK$54,244
−HK$1,663/mo
Today · 4.125%
HK$55,907
baseline
▲ 0.50% · 4.625%
HK$59,308
+HK$3,401/mo
Deposit HK$7.69M · loan HK$11.54M · min. income ≈ HK$111,814/mo (50% DSR)
Upfront cash ≈ HK$8.41M (deposit + AVD stamp duty HK$720,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,526
−HK$3,162/mo
▼ 0.25% · 3.875%
HK$60,095
−HK$1,593/mo
Today · 4.125%
HK$61,688
baseline
▲ 0.50% · 4.625%
HK$64,939
+HK$3,251/mo
Deposit HK$7.69M · loan HK$11.54M · min. income ≈ HK$123,376/mo (50% DSR)
Upfront cash ≈ HK$8.41M (deposit + AVD stamp duty HK$720,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,376
−HK$3,848/mo
▼ 0.25% · 3.875%
HK$63,285
−HK$1,939/mo
Today · 4.125%
HK$65,224
baseline
▲ 0.50% · 4.625%
HK$69,193
+HK$3,969/mo
Deposit HK$5.77M · loan HK$13.46M · min. income ≈ HK$130,448/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$720,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,280
−HK$3,689/mo
▼ 0.25% · 3.875%
HK$70,111
−HK$1,858/mo
Today · 4.125%
HK$71,969
baseline
▲ 0.50% · 4.625%
HK$75,762
+HK$3,793/mo
Deposit HK$5.77M · loan HK$13.46M · min. income ≈ HK$143,938/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$720,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,912
−HK$4,948/mo
▼ 0.25% · 3.875%
HK$81,366
−HK$2,494/mo
Today · 4.125%
HK$83,860
baseline
▲ 0.50% · 4.625%
HK$88,963
+HK$5,103/mo
Deposit HK$1.92M · loan HK$17.30M · min. income ≈ HK$167,720/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$720,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,788
−HK$4,743/mo
▼ 0.25% · 3.875%
HK$90,143
−HK$2,388/mo
Today · 4.125%
HK$92,531
baseline
▲ 0.50% · 4.625%
HK$97,409
+HK$4,878/mo
Deposit HK$1.92M · loan HK$17.30M · min. income ≈ HK$185,062/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$720,968 · Scale 2, in force from 26 Feb 2026)