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$44,001
−HK$2,759/mo
▼ 0.25% · 3.875%
HK$45,370
−HK$1,390/mo
Today · 4.125%
HK$46,760
baseline
▲ 0.50% · 4.625%
HK$49,606
+HK$2,846/mo
Deposit HK$9.65M · loan HK$9.65M · min. income ≈ HK$93,520/mo (50% DSR)
Upfront cash ≈ HK$10.37M (deposit + AVD stamp duty HK$723,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,951
−HK$2,644/mo
▼ 0.25% · 3.875%
HK$50,264
−HK$1,331/mo
Today · 4.125%
HK$51,595
baseline
▲ 0.50% · 4.625%
HK$54,315
+HK$2,720/mo
Deposit HK$9.65M · loan HK$9.65M · min. income ≈ HK$103,190/mo (50% DSR)
Upfront cash ≈ HK$10.37M (deposit + AVD stamp duty HK$723,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,801
−HK$3,311/mo
▼ 0.25% · 3.875%
HK$54,444
−HK$1,668/mo
Today · 4.125%
HK$56,112
baseline
▲ 0.50% · 4.625%
HK$59,527
+HK$3,415/mo
Deposit HK$7.72M · loan HK$11.58M · min. income ≈ HK$112,224/mo (50% DSR)
Upfront cash ≈ HK$8.44M (deposit + AVD stamp duty HK$723,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,741
−HK$3,173/mo
▼ 0.25% · 3.875%
HK$60,316
−HK$1,598/mo
Today · 4.125%
HK$61,914
baseline
▲ 0.50% · 4.625%
HK$65,178
+HK$3,264/mo
Deposit HK$7.72M · loan HK$11.58M · min. income ≈ HK$123,828/mo (50% DSR)
Upfront cash ≈ HK$8.44M (deposit + AVD stamp duty HK$723,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,601
−HK$3,863/mo
▼ 0.25% · 3.875%
HK$63,518
−HK$1,946/mo
Today · 4.125%
HK$65,464
baseline
▲ 0.50% · 4.625%
HK$69,448
+HK$3,984/mo
Deposit HK$5.79M · loan HK$13.51M · min. income ≈ HK$130,928/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$723,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,531
−HK$3,702/mo
▼ 0.25% · 3.875%
HK$70,369
−HK$1,864/mo
Today · 4.125%
HK$72,233
baseline
▲ 0.50% · 4.625%
HK$76,041
+HK$3,808/mo
Deposit HK$5.79M · loan HK$13.51M · min. income ≈ HK$144,466/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$723,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,202
−HK$4,966/mo
▼ 0.25% · 3.875%
HK$81,665
−HK$2,503/mo
Today · 4.125%
HK$84,168
baseline
▲ 0.50% · 4.625%
HK$89,290
+HK$5,122/mo
Deposit HK$1.93M · loan HK$17.37M · min. income ≈ HK$168,336/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$723,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,111
−HK$4,761/mo
▼ 0.25% · 3.875%
HK$90,474
−HK$2,398/mo
Today · 4.125%
HK$92,872
baseline
▲ 0.50% · 4.625%
HK$97,767
+HK$4,895/mo
Deposit HK$1.93M · loan HK$17.37M · min. income ≈ HK$185,744/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$723,620 · Scale 2, in force from 26 Feb 2026)