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$43,985
−HK$2,758/mo
▼ 0.25% · 3.875%
HK$45,353
−HK$1,390/mo
Today · 4.125%
HK$46,743
baseline
▲ 0.50% · 4.625%
HK$49,587
+HK$2,844/mo
Deposit HK$9.64M · loan HK$9.64M · min. income ≈ HK$93,486/mo (50% DSR)
Upfront cash ≈ HK$10.37M (deposit + AVD stamp duty HK$723,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,933
−HK$2,643/mo
▼ 0.25% · 3.875%
HK$50,245
−HK$1,331/mo
Today · 4.125%
HK$51,576
baseline
▲ 0.50% · 4.625%
HK$54,295
+HK$2,719/mo
Deposit HK$9.64M · loan HK$9.64M · min. income ≈ HK$103,152/mo (50% DSR)
Upfront cash ≈ HK$10.37M (deposit + AVD stamp duty HK$723,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,782
−HK$3,310/mo
▼ 0.25% · 3.875%
HK$54,424
−HK$1,668/mo
Today · 4.125%
HK$56,092
baseline
▲ 0.50% · 4.625%
HK$59,505
+HK$3,413/mo
Deposit HK$7.72M · loan HK$11.57M · min. income ≈ HK$112,184/mo (50% DSR)
Upfront cash ≈ HK$8.44M (deposit + AVD stamp duty HK$723,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,719
−HK$3,173/mo
▼ 0.25% · 3.875%
HK$60,294
−HK$1,598/mo
Today · 4.125%
HK$61,892
baseline
▲ 0.50% · 4.625%
HK$65,154
+HK$3,262/mo
Deposit HK$7.72M · loan HK$11.57M · min. income ≈ HK$123,784/mo (50% DSR)
Upfront cash ≈ HK$8.44M (deposit + AVD stamp duty HK$723,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,579
−HK$3,861/mo
▼ 0.25% · 3.875%
HK$63,494
−HK$1,946/mo
Today · 4.125%
HK$65,440
baseline
▲ 0.50% · 4.625%
HK$69,422
+HK$3,982/mo
Deposit HK$5.79M · loan HK$13.50M · min. income ≈ HK$130,880/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$723,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,506
−HK$3,701/mo
▼ 0.25% · 3.875%
HK$70,343
−HK$1,864/mo
Today · 4.125%
HK$72,207
baseline
▲ 0.50% · 4.625%
HK$76,013
+HK$3,806/mo
Deposit HK$5.79M · loan HK$13.50M · min. income ≈ HK$144,414/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$723,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,173
−HK$4,964/mo
▼ 0.25% · 3.875%
HK$81,635
−HK$2,502/mo
Today · 4.125%
HK$84,137
baseline
▲ 0.50% · 4.625%
HK$89,257
+HK$5,120/mo
Deposit HK$1.93M · loan HK$17.36M · min. income ≈ HK$168,274/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$723,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,079
−HK$4,758/mo
▼ 0.25% · 3.875%
HK$90,441
−HK$2,396/mo
Today · 4.125%
HK$92,837
baseline
▲ 0.50% · 4.625%
HK$97,731
+HK$4,894/mo
Deposit HK$1.93M · loan HK$17.36M · min. income ≈ HK$185,674/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$723,353 · Scale 2, in force from 26 Feb 2026)