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$43,918
−HK$2,754/mo
▼ 0.25% · 3.875%
HK$45,284
−HK$1,388/mo
Today · 4.125%
HK$46,672
baseline
▲ 0.50% · 4.625%
HK$49,512
+HK$2,840/mo
Deposit HK$9.63M · loan HK$9.63M · min. income ≈ HK$93,344/mo (50% DSR)
Upfront cash ≈ HK$10.35M (deposit + AVD stamp duty HK$722,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,859
−HK$2,639/mo
▼ 0.25% · 3.875%
HK$50,169
−HK$1,329/mo
Today · 4.125%
HK$51,498
baseline
▲ 0.50% · 4.625%
HK$54,213
+HK$2,715/mo
Deposit HK$9.63M · loan HK$9.63M · min. income ≈ HK$102,996/mo (50% DSR)
Upfront cash ≈ HK$10.35M (deposit + AVD stamp duty HK$722,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,702
−HK$3,305/mo
▼ 0.25% · 3.875%
HK$54,341
−HK$1,666/mo
Today · 4.125%
HK$56,007
baseline
▲ 0.50% · 4.625%
HK$59,415
+HK$3,408/mo
Deposit HK$7.70M · loan HK$11.56M · min. income ≈ HK$112,014/mo (50% DSR)
Upfront cash ≈ HK$8.43M (deposit + AVD stamp duty HK$722,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,630
−HK$3,168/mo
▼ 0.25% · 3.875%
HK$60,203
−HK$1,595/mo
Today · 4.125%
HK$61,798
baseline
▲ 0.50% · 4.625%
HK$65,055
+HK$3,257/mo
Deposit HK$7.70M · loan HK$11.56M · min. income ≈ HK$123,596/mo (50% DSR)
Upfront cash ≈ HK$8.43M (deposit + AVD stamp duty HK$722,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,485
−HK$3,856/mo
▼ 0.25% · 3.875%
HK$63,398
−HK$1,943/mo
Today · 4.125%
HK$65,341
baseline
▲ 0.50% · 4.625%
HK$69,317
+HK$3,976/mo
Deposit HK$5.78M · loan HK$13.48M · min. income ≈ HK$130,682/mo (50% DSR)
Upfront cash ≈ HK$6.50M (deposit + AVD stamp duty HK$722,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,402
−HK$3,696/mo
▼ 0.25% · 3.875%
HK$70,236
−HK$1,862/mo
Today · 4.125%
HK$72,098
baseline
▲ 0.50% · 4.625%
HK$75,898
+HK$3,800/mo
Deposit HK$5.78M · loan HK$13.48M · min. income ≈ HK$144,196/mo (50% DSR)
Upfront cash ≈ HK$6.50M (deposit + AVD stamp duty HK$722,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,053
−HK$4,957/mo
▼ 0.25% · 3.875%
HK$81,512
−HK$2,498/mo
Today · 4.125%
HK$84,010
baseline
▲ 0.50% · 4.625%
HK$89,122
+HK$5,112/mo
Deposit HK$1.93M · loan HK$17.33M · min. income ≈ HK$168,020/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$722,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,945
−HK$4,752/mo
▼ 0.25% · 3.875%
HK$90,304
−HK$2,393/mo
Today · 4.125%
HK$92,697
baseline
▲ 0.50% · 4.625%
HK$97,583
+HK$4,886/mo
Deposit HK$1.93M · loan HK$17.33M · min. income ≈ HK$185,394/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$722,258 · Scale 2, in force from 26 Feb 2026)