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$49,623
+HK$2,847/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$723,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,968
−HK$2,645/mo
▼ 0.25% · 3.875%
HK$50,281
−HK$1,332/mo
Today · 4.125%
HK$51,613
baseline
▲ 0.50% · 4.625%
HK$54,334
+HK$2,721/mo
Deposit HK$9.65M · loan HK$9.65M · min. income ≈ HK$103,226/mo (50% DSR)
Upfront cash ≈ HK$10.38M (deposit + AVD stamp duty HK$723,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,820
−HK$3,312/mo
▼ 0.25% · 3.875%
HK$54,463
−HK$1,669/mo
Today · 4.125%
HK$56,132
baseline
▲ 0.50% · 4.625%
HK$59,547
+HK$3,415/mo
Deposit HK$7.72M · loan HK$11.58M · min. income ≈ HK$112,264/mo (50% DSR)
Upfront cash ≈ HK$8.45M (deposit + AVD stamp duty HK$723,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,761
−HK$3,175/mo
▼ 0.25% · 3.875%
HK$60,337
−HK$1,599/mo
Today · 4.125%
HK$61,936
baseline
▲ 0.50% · 4.625%
HK$65,201
+HK$3,265/mo
Deposit HK$7.72M · loan HK$11.58M · min. income ≈ HK$123,872/mo (50% DSR)
Upfront cash ≈ HK$8.45M (deposit + AVD stamp duty HK$723,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,623
−HK$3,864/mo
▼ 0.25% · 3.875%
HK$63,540
−HK$1,947/mo
Today · 4.125%
HK$65,487
baseline
▲ 0.50% · 4.625%
HK$69,472
+HK$3,985/mo
Deposit HK$5.79M · loan HK$13.51M · min. income ≈ HK$130,974/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$723,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,555
−HK$3,704/mo
▼ 0.25% · 3.875%
HK$70,393
−HK$1,866/mo
Today · 4.125%
HK$72,259
baseline
▲ 0.50% · 4.625%
HK$76,067
+HK$3,808/mo
Deposit HK$5.79M · loan HK$13.51M · min. income ≈ HK$144,518/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$723,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,229
−HK$4,969/mo
▼ 0.25% · 3.875%
HK$81,694
−HK$2,504/mo
Today · 4.125%
HK$84,198
baseline
▲ 0.50% · 4.625%
HK$89,321
+HK$5,123/mo
Deposit HK$1.93M · loan HK$17.37M · min. income ≈ HK$168,396/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$723,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,142
−HK$4,762/mo
▼ 0.25% · 3.875%
HK$90,506
−HK$2,398/mo
Today · 4.125%
HK$92,904
baseline
▲ 0.50% · 4.625%
HK$97,801
+HK$4,897/mo
Deposit HK$1.93M · loan HK$17.37M · min. income ≈ HK$185,808/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$723,871 · Scale 2, in force from 26 Feb 2026)