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$44,016
−HK$2,760/mo
▼ 0.25% · 3.875%
HK$45,385
−HK$1,391/mo
Today · 4.125%
HK$46,776
baseline
▲ 0.50% · 4.625%
HK$49,622
+HK$2,846/mo
Deposit HK$9.65M · loan HK$9.65M · min. income ≈ HK$93,552/mo (50% DSR)
Upfront cash ≈ HK$10.38M (deposit + AVD stamp duty HK$723,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,967
−HK$2,645/mo
▼ 0.25% · 3.875%
HK$50,280
−HK$1,332/mo
Today · 4.125%
HK$51,612
baseline
▲ 0.50% · 4.625%
HK$54,333
+HK$2,721/mo
Deposit HK$9.65M · loan HK$9.65M · min. income ≈ HK$103,224/mo (50% DSR)
Upfront cash ≈ HK$10.38M (deposit + AVD stamp duty HK$723,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,819
−HK$3,312/mo
▼ 0.25% · 3.875%
HK$54,462
−HK$1,669/mo
Today · 4.125%
HK$56,131
baseline
▲ 0.50% · 4.625%
HK$59,546
+HK$3,415/mo
Deposit HK$7.72M · loan HK$11.58M · min. income ≈ HK$112,262/mo (50% DSR)
Upfront cash ≈ HK$8.45M (deposit + AVD stamp duty HK$723,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,760
−HK$3,175/mo
▼ 0.25% · 3.875%
HK$60,336
−HK$1,599/mo
Today · 4.125%
HK$61,935
baseline
▲ 0.50% · 4.625%
HK$65,199
+HK$3,264/mo
Deposit HK$7.72M · loan HK$11.58M · min. income ≈ HK$123,870/mo (50% DSR)
Upfront cash ≈ HK$8.45M (deposit + AVD stamp duty HK$723,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,622
−HK$3,864/mo
▼ 0.25% · 3.875%
HK$63,538
−HK$1,948/mo
Today · 4.125%
HK$65,486
baseline
▲ 0.50% · 4.625%
HK$69,471
+HK$3,985/mo
Deposit HK$5.79M · loan HK$13.51M · min. income ≈ HK$130,972/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$723,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,554
−HK$3,703/mo
▼ 0.25% · 3.875%
HK$70,392
−HK$1,865/mo
Today · 4.125%
HK$72,257
baseline
▲ 0.50% · 4.625%
HK$76,066
+HK$3,809/mo
Deposit HK$5.79M · loan HK$13.51M · min. income ≈ HK$144,514/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$723,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,228
−HK$4,968/mo
▼ 0.25% · 3.875%
HK$81,692
−HK$2,504/mo
Today · 4.125%
HK$84,196
baseline
▲ 0.50% · 4.625%
HK$89,319
+HK$5,123/mo
Deposit HK$1.93M · loan HK$17.37M · min. income ≈ HK$168,392/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$723,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,140
−HK$4,762/mo
▼ 0.25% · 3.875%
HK$90,504
−HK$2,398/mo
Today · 4.125%
HK$92,902
baseline
▲ 0.50% · 4.625%
HK$97,799
+HK$4,897/mo
Deposit HK$1.93M · loan HK$17.37M · min. income ≈ HK$185,804/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$723,858 · Scale 2, in force from 26 Feb 2026)