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$44,057
−HK$2,762/mo
▼ 0.25% · 3.875%
HK$45,427
−HK$1,392/mo
Today · 4.125%
HK$46,819
baseline
▲ 0.50% · 4.625%
HK$49,668
+HK$2,849/mo
Deposit HK$9.66M · loan HK$9.66M · min. income ≈ HK$93,638/mo (50% DSR)
Upfront cash ≈ HK$10.38M (deposit + AVD stamp duty HK$724,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,012
−HK$2,648/mo
▼ 0.25% · 3.875%
HK$50,327
−HK$1,333/mo
Today · 4.125%
HK$51,660
baseline
▲ 0.50% · 4.625%
HK$54,384
+HK$2,724/mo
Deposit HK$9.66M · loan HK$9.66M · min. income ≈ HK$103,320/mo (50% DSR)
Upfront cash ≈ HK$10.38M (deposit + AVD stamp duty HK$724,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,868
−HK$3,315/mo
▼ 0.25% · 3.875%
HK$54,512
−HK$1,671/mo
Today · 4.125%
HK$56,183
baseline
▲ 0.50% · 4.625%
HK$59,602
+HK$3,419/mo
Deposit HK$7.73M · loan HK$11.59M · min. income ≈ HK$112,366/mo (50% DSR)
Upfront cash ≈ HK$8.45M (deposit + AVD stamp duty HK$724,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,815
−HK$3,178/mo
▼ 0.25% · 3.875%
HK$60,392
−HK$1,601/mo
Today · 4.125%
HK$61,993
baseline
▲ 0.50% · 4.625%
HK$65,260
+HK$3,267/mo
Deposit HK$7.73M · loan HK$11.59M · min. income ≈ HK$123,986/mo (50% DSR)
Upfront cash ≈ HK$8.45M (deposit + AVD stamp duty HK$724,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,679
−HK$3,868/mo
▼ 0.25% · 3.875%
HK$63,598
−HK$1,949/mo
Today · 4.125%
HK$65,547
baseline
▲ 0.50% · 4.625%
HK$69,535
+HK$3,988/mo
Deposit HK$5.80M · loan HK$13.52M · min. income ≈ HK$131,094/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$724,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,617
−HK$3,708/mo
▼ 0.25% · 3.875%
HK$70,458
−HK$1,867/mo
Today · 4.125%
HK$72,325
baseline
▲ 0.50% · 4.625%
HK$76,137
+HK$3,812/mo
Deposit HK$5.80M · loan HK$13.52M · min. income ≈ HK$144,650/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$724,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,302
−HK$4,973/mo
▼ 0.25% · 3.875%
HK$81,768
−HK$2,507/mo
Today · 4.125%
HK$84,275
baseline
▲ 0.50% · 4.625%
HK$89,403
+HK$5,128/mo
Deposit HK$1.93M · loan HK$17.39M · min. income ≈ HK$168,550/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$724,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,222
−HK$4,767/mo
▼ 0.25% · 3.875%
HK$90,588
−HK$2,401/mo
Today · 4.125%
HK$92,989
baseline
▲ 0.50% · 4.625%
HK$97,890
+HK$4,901/mo
Deposit HK$1.93M · loan HK$17.39M · min. income ≈ HK$185,978/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$724,533 · Scale 2, in force from 26 Feb 2026)