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$43,852
−HK$2,750/mo
▼ 0.25% · 3.875%
HK$45,216
−HK$1,386/mo
Today · 4.125%
HK$46,602
baseline
▲ 0.50% · 4.625%
HK$49,438
+HK$2,836/mo
Deposit HK$9.62M · loan HK$9.62M · min. income ≈ HK$93,204/mo (50% DSR)
Upfront cash ≈ HK$10.34M (deposit + AVD stamp duty HK$721,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,785
−HK$2,636/mo
▼ 0.25% · 3.875%
HK$50,093
−HK$1,328/mo
Today · 4.125%
HK$51,421
baseline
▲ 0.50% · 4.625%
HK$54,131
+HK$2,710/mo
Deposit HK$9.62M · loan HK$9.62M · min. income ≈ HK$102,842/mo (50% DSR)
Upfront cash ≈ HK$10.34M (deposit + AVD stamp duty HK$721,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,622
−HK$3,300/mo
▼ 0.25% · 3.875%
HK$54,259
−HK$1,663/mo
Today · 4.125%
HK$55,922
baseline
▲ 0.50% · 4.625%
HK$59,325
+HK$3,403/mo
Deposit HK$7.69M · loan HK$11.54M · min. income ≈ HK$111,844/mo (50% DSR)
Upfront cash ≈ HK$8.41M (deposit + AVD stamp duty HK$721,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,542
−HK$3,163/mo
▼ 0.25% · 3.875%
HK$60,112
−HK$1,593/mo
Today · 4.125%
HK$61,705
baseline
▲ 0.50% · 4.625%
HK$64,957
+HK$3,252/mo
Deposit HK$7.69M · loan HK$11.54M · min. income ≈ HK$123,410/mo (50% DSR)
Upfront cash ≈ HK$8.41M (deposit + AVD stamp duty HK$721,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,393
−HK$3,850/mo
▼ 0.25% · 3.875%
HK$63,302
−HK$1,941/mo
Today · 4.125%
HK$65,243
baseline
▲ 0.50% · 4.625%
HK$69,213
+HK$3,970/mo
Deposit HK$5.77M · loan HK$13.46M · min. income ≈ HK$130,486/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$721,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,299
−HK$3,690/mo
▼ 0.25% · 3.875%
HK$70,131
−HK$1,858/mo
Today · 4.125%
HK$71,989
baseline
▲ 0.50% · 4.625%
HK$75,783
+HK$3,794/mo
Deposit HK$5.77M · loan HK$13.46M · min. income ≈ HK$143,978/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$721,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,934
−HK$4,949/mo
▼ 0.25% · 3.875%
HK$81,389
−HK$2,494/mo
Today · 4.125%
HK$83,883
baseline
▲ 0.50% · 4.625%
HK$88,988
+HK$5,105/mo
Deposit HK$1.92M · loan HK$17.31M · min. income ≈ HK$167,766/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$721,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,813
−HK$4,744/mo
▼ 0.25% · 3.875%
HK$90,168
−HK$2,389/mo
Today · 4.125%
HK$92,557
baseline
▲ 0.50% · 4.625%
HK$97,436
+HK$4,879/mo
Deposit HK$1.92M · loan HK$17.31M · min. income ≈ HK$185,114/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$721,169 · Scale 2, in force from 26 Feb 2026)