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$43,945
−HK$2,755/mo
▼ 0.25% · 3.875%
HK$45,311
−HK$1,389/mo
Today · 4.125%
HK$46,700
baseline
▲ 0.50% · 4.625%
HK$49,542
+HK$2,842/mo
Deposit HK$9.64M · loan HK$9.64M · min. income ≈ HK$93,400/mo (50% DSR)
Upfront cash ≈ HK$10.36M (deposit + AVD stamp duty HK$722,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,888
−HK$2,641/mo
▼ 0.25% · 3.875%
HK$50,199
−HK$1,330/mo
Today · 4.125%
HK$51,529
baseline
▲ 0.50% · 4.625%
HK$54,245
+HK$2,716/mo
Deposit HK$9.64M · loan HK$9.64M · min. income ≈ HK$103,058/mo (50% DSR)
Upfront cash ≈ HK$10.36M (deposit + AVD stamp duty HK$722,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,733
−HK$3,307/mo
▼ 0.25% · 3.875%
HK$54,374
−HK$1,666/mo
Today · 4.125%
HK$56,040
baseline
▲ 0.50% · 4.625%
HK$59,450
+HK$3,410/mo
Deposit HK$7.71M · loan HK$11.56M · min. income ≈ HK$112,080/mo (50% DSR)
Upfront cash ≈ HK$8.43M (deposit + AVD stamp duty HK$722,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,665
−HK$3,170/mo
▼ 0.25% · 3.875%
HK$60,239
−HK$1,596/mo
Today · 4.125%
HK$61,835
baseline
▲ 0.50% · 4.625%
HK$65,094
+HK$3,259/mo
Deposit HK$7.71M · loan HK$11.56M · min. income ≈ HK$123,670/mo (50% DSR)
Upfront cash ≈ HK$8.43M (deposit + AVD stamp duty HK$722,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,522
−HK$3,858/mo
▼ 0.25% · 3.875%
HK$63,436
−HK$1,944/mo
Today · 4.125%
HK$65,380
baseline
▲ 0.50% · 4.625%
HK$69,359
+HK$3,979/mo
Deposit HK$5.78M · loan HK$13.49M · min. income ≈ HK$130,760/mo (50% DSR)
Upfront cash ≈ HK$6.50M (deposit + AVD stamp duty HK$722,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,443
−HK$3,698/mo
▼ 0.25% · 3.875%
HK$70,279
−HK$1,862/mo
Today · 4.125%
HK$72,141
baseline
▲ 0.50% · 4.625%
HK$75,943
+HK$3,802/mo
Deposit HK$5.78M · loan HK$13.49M · min. income ≈ HK$144,282/mo (50% DSR)
Upfront cash ≈ HK$6.50M (deposit + AVD stamp duty HK$722,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,100
−HK$4,960/mo
▼ 0.25% · 3.875%
HK$81,561
−HK$2,499/mo
Today · 4.125%
HK$84,060
baseline
▲ 0.50% · 4.625%
HK$89,175
+HK$5,115/mo
Deposit HK$1.93M · loan HK$17.34M · min. income ≈ HK$168,120/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$722,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,998
−HK$4,754/mo
▼ 0.25% · 3.875%
HK$90,358
−HK$2,394/mo
Today · 4.125%
HK$92,752
baseline
▲ 0.50% · 4.625%
HK$97,642
+HK$4,890/mo
Deposit HK$1.93M · loan HK$17.34M · min. income ≈ HK$185,504/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$722,692 · Scale 2, in force from 26 Feb 2026)