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$43,963
−HK$2,757/mo
▼ 0.25% · 3.875%
HK$45,331
−HK$1,389/mo
Today · 4.125%
HK$46,720
baseline
▲ 0.50% · 4.625%
HK$49,563
+HK$2,843/mo
Deposit HK$9.64M · loan HK$9.64M · min. income ≈ HK$93,440/mo (50% DSR)
Upfront cash ≈ HK$10.36M (deposit + AVD stamp duty HK$722,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,908
−HK$2,643/mo
▼ 0.25% · 3.875%
HK$50,220
−HK$1,331/mo
Today · 4.125%
HK$51,551
baseline
▲ 0.50% · 4.625%
HK$54,268
+HK$2,717/mo
Deposit HK$9.64M · loan HK$9.64M · min. income ≈ HK$103,102/mo (50% DSR)
Upfront cash ≈ HK$10.36M (deposit + AVD stamp duty HK$722,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,756
−HK$3,308/mo
▼ 0.25% · 3.875%
HK$54,397
−HK$1,667/mo
Today · 4.125%
HK$56,064
baseline
▲ 0.50% · 4.625%
HK$59,475
+HK$3,411/mo
Deposit HK$7.71M · loan HK$11.57M · min. income ≈ HK$112,128/mo (50% DSR)
Upfront cash ≈ HK$8.43M (deposit + AVD stamp duty HK$722,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,690
−HK$3,171/mo
▼ 0.25% · 3.875%
HK$60,264
−HK$1,597/mo
Today · 4.125%
HK$61,861
baseline
▲ 0.50% · 4.625%
HK$65,122
+HK$3,261/mo
Deposit HK$7.71M · loan HK$11.57M · min. income ≈ HK$123,722/mo (50% DSR)
Upfront cash ≈ HK$8.43M (deposit + AVD stamp duty HK$722,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,548
−HK$3,860/mo
▼ 0.25% · 3.875%
HK$63,463
−HK$1,945/mo
Today · 4.125%
HK$65,408
baseline
▲ 0.50% · 4.625%
HK$69,388
+HK$3,980/mo
Deposit HK$5.78M · loan HK$13.50M · min. income ≈ HK$130,816/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$722,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,472
−HK$3,699/mo
▼ 0.25% · 3.875%
HK$70,308
−HK$1,863/mo
Today · 4.125%
HK$72,171
baseline
▲ 0.50% · 4.625%
HK$75,975
+HK$3,804/mo
Deposit HK$5.78M · loan HK$13.50M · min. income ≈ HK$144,342/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$722,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,134
−HK$4,962/mo
▼ 0.25% · 3.875%
HK$81,595
−HK$2,501/mo
Today · 4.125%
HK$84,096
baseline
▲ 0.50% · 4.625%
HK$89,213
+HK$5,117/mo
Deposit HK$1.93M · loan HK$17.35M · min. income ≈ HK$168,192/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$722,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,035
−HK$4,757/mo
▼ 0.25% · 3.875%
HK$90,396
−HK$2,396/mo
Today · 4.125%
HK$92,792
baseline
▲ 0.50% · 4.625%
HK$97,683
+HK$4,891/mo
Deposit HK$1.93M · loan HK$17.35M · min. income ≈ HK$185,584/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$722,996 · Scale 2, in force from 26 Feb 2026)