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$43,996
−HK$2,759/mo
▼ 0.25% · 3.875%
HK$45,365
−HK$1,390/mo
Today · 4.125%
HK$46,755
baseline
▲ 0.50% · 4.625%
HK$49,600
+HK$2,845/mo
Deposit HK$9.65M · loan HK$9.65M · min. income ≈ HK$93,510/mo (50% DSR)
Upfront cash ≈ HK$10.37M (deposit + AVD stamp duty HK$723,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,945
−HK$2,644/mo
▼ 0.25% · 3.875%
HK$50,258
−HK$1,331/mo
Today · 4.125%
HK$51,589
baseline
▲ 0.50% · 4.625%
HK$54,309
+HK$2,720/mo
Deposit HK$9.65M · loan HK$9.65M · min. income ≈ HK$103,178/mo (50% DSR)
Upfront cash ≈ HK$10.37M (deposit + AVD stamp duty HK$723,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,795
−HK$3,311/mo
▼ 0.25% · 3.875%
HK$54,437
−HK$1,669/mo
Today · 4.125%
HK$56,106
baseline
▲ 0.50% · 4.625%
HK$59,520
+HK$3,414/mo
Deposit HK$7.72M · loan HK$11.58M · min. income ≈ HK$112,212/mo (50% DSR)
Upfront cash ≈ HK$8.44M (deposit + AVD stamp duty HK$723,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,734
−HK$3,173/mo
▼ 0.25% · 3.875%
HK$60,309
−HK$1,598/mo
Today · 4.125%
HK$61,907
baseline
▲ 0.50% · 4.625%
HK$65,171
+HK$3,264/mo
Deposit HK$7.72M · loan HK$11.58M · min. income ≈ HK$123,814/mo (50% DSR)
Upfront cash ≈ HK$8.44M (deposit + AVD stamp duty HK$723,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,594
−HK$3,863/mo
▼ 0.25% · 3.875%
HK$63,510
−HK$1,947/mo
Today · 4.125%
HK$65,457
baseline
▲ 0.50% · 4.625%
HK$69,440
+HK$3,983/mo
Deposit HK$5.79M · loan HK$13.51M · min. income ≈ HK$130,914/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$723,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,523
−HK$3,702/mo
▼ 0.25% · 3.875%
HK$70,361
−HK$1,864/mo
Today · 4.125%
HK$72,225
baseline
▲ 0.50% · 4.625%
HK$76,032
+HK$3,807/mo
Deposit HK$5.79M · loan HK$13.51M · min. income ≈ HK$144,450/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$723,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,193
−HK$4,966/mo
▼ 0.25% · 3.875%
HK$81,656
−HK$2,503/mo
Today · 4.125%
HK$84,159
baseline
▲ 0.50% · 4.625%
HK$89,280
+HK$5,121/mo
Deposit HK$1.93M · loan HK$17.36M · min. income ≈ HK$168,318/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$723,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,101
−HK$4,760/mo
▼ 0.25% · 3.875%
HK$90,464
−HK$2,397/mo
Today · 4.125%
HK$92,861
baseline
▲ 0.50% · 4.625%
HK$97,756
+HK$4,895/mo
Deposit HK$1.93M · loan HK$17.36M · min. income ≈ HK$185,722/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$723,538 · Scale 2, in force from 26 Feb 2026)