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$44,032
−HK$2,761/mo
▼ 0.25% · 3.875%
HK$45,402
−HK$1,391/mo
Today · 4.125%
HK$46,793
baseline
▲ 0.50% · 4.625%
HK$49,641
+HK$2,848/mo
Deposit HK$9.66M · loan HK$9.66M · min. income ≈ HK$93,586/mo (50% DSR)
Upfront cash ≈ HK$10.38M (deposit + AVD stamp duty HK$724,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,985
−HK$2,647/mo
▼ 0.25% · 3.875%
HK$50,299
−HK$1,333/mo
Today · 4.125%
HK$51,632
baseline
▲ 0.50% · 4.625%
HK$54,354
+HK$2,722/mo
Deposit HK$9.66M · loan HK$9.66M · min. income ≈ HK$103,264/mo (50% DSR)
Upfront cash ≈ HK$10.38M (deposit + AVD stamp duty HK$724,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,839
−HK$3,313/mo
▼ 0.25% · 3.875%
HK$54,482
−HK$1,670/mo
Today · 4.125%
HK$56,152
baseline
▲ 0.50% · 4.625%
HK$59,569
+HK$3,417/mo
Deposit HK$7.72M · loan HK$11.59M · min. income ≈ HK$112,304/mo (50% DSR)
Upfront cash ≈ HK$8.45M (deposit + AVD stamp duty HK$724,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,782
−HK$3,176/mo
▼ 0.25% · 3.875%
HK$60,359
−HK$1,599/mo
Today · 4.125%
HK$61,958
baseline
▲ 0.50% · 4.625%
HK$65,224
+HK$3,266/mo
Deposit HK$7.72M · loan HK$11.59M · min. income ≈ HK$123,916/mo (50% DSR)
Upfront cash ≈ HK$8.45M (deposit + AVD stamp duty HK$724,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,645
−HK$3,866/mo
▼ 0.25% · 3.875%
HK$63,563
−HK$1,948/mo
Today · 4.125%
HK$65,511
baseline
▲ 0.50% · 4.625%
HK$69,497
+HK$3,986/mo
Deposit HK$5.79M · loan HK$13.52M · min. income ≈ HK$131,022/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$724,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,580
−HK$3,705/mo
▼ 0.25% · 3.875%
HK$70,419
−HK$1,866/mo
Today · 4.125%
HK$72,285
baseline
▲ 0.50% · 4.625%
HK$76,095
+HK$3,810/mo
Deposit HK$5.79M · loan HK$13.52M · min. income ≈ HK$144,570/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$724,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,258
−HK$4,970/mo
▼ 0.25% · 3.875%
HK$81,723
−HK$2,505/mo
Today · 4.125%
HK$84,228
baseline
▲ 0.50% · 4.625%
HK$89,353
+HK$5,125/mo
Deposit HK$1.93M · loan HK$17.38M · min. income ≈ HK$168,456/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$724,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,174
−HK$4,763/mo
▼ 0.25% · 3.875%
HK$90,538
−HK$2,399/mo
Today · 4.125%
HK$92,937
baseline
▲ 0.50% · 4.625%
HK$97,836
+HK$4,899/mo
Deposit HK$1.93M · loan HK$17.38M · min. income ≈ HK$185,874/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$724,133 · Scale 2, in force from 26 Feb 2026)