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$43,921
−HK$2,754/mo
▼ 0.25% · 3.875%
HK$45,287
−HK$1,388/mo
Today · 4.125%
HK$46,675
baseline
▲ 0.50% · 4.625%
HK$49,515
+HK$2,840/mo
Deposit HK$9.63M · loan HK$9.63M · min. income ≈ HK$93,350/mo (50% DSR)
Upfront cash ≈ HK$10.35M (deposit + AVD stamp duty HK$722,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,861
−HK$2,640/mo
▼ 0.25% · 3.875%
HK$50,172
−HK$1,329/mo
Today · 4.125%
HK$51,501
baseline
▲ 0.50% · 4.625%
HK$54,216
+HK$2,715/mo
Deposit HK$9.63M · loan HK$9.63M · min. income ≈ HK$103,002/mo (50% DSR)
Upfront cash ≈ HK$10.35M (deposit + AVD stamp duty HK$722,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,705
−HK$3,305/mo
▼ 0.25% · 3.875%
HK$54,344
−HK$1,666/mo
Today · 4.125%
HK$56,010
baseline
▲ 0.50% · 4.625%
HK$59,418
+HK$3,408/mo
Deposit HK$7.70M · loan HK$11.56M · min. income ≈ HK$112,020/mo (50% DSR)
Upfront cash ≈ HK$8.43M (deposit + AVD stamp duty HK$722,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,634
−HK$3,168/mo
▼ 0.25% · 3.875%
HK$60,206
−HK$1,596/mo
Today · 4.125%
HK$61,802
baseline
▲ 0.50% · 4.625%
HK$65,059
+HK$3,257/mo
Deposit HK$7.70M · loan HK$11.56M · min. income ≈ HK$123,604/mo (50% DSR)
Upfront cash ≈ HK$8.43M (deposit + AVD stamp duty HK$722,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,489
−HK$3,856/mo
▼ 0.25% · 3.875%
HK$63,402
−HK$1,943/mo
Today · 4.125%
HK$65,345
baseline
▲ 0.50% · 4.625%
HK$69,321
+HK$3,976/mo
Deposit HK$5.78M · loan HK$13.48M · min. income ≈ HK$130,690/mo (50% DSR)
Upfront cash ≈ HK$6.50M (deposit + AVD stamp duty HK$722,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,406
−HK$3,696/mo
▼ 0.25% · 3.875%
HK$70,241
−HK$1,861/mo
Today · 4.125%
HK$72,102
baseline
▲ 0.50% · 4.625%
HK$75,902
+HK$3,800/mo
Deposit HK$5.78M · loan HK$13.48M · min. income ≈ HK$144,204/mo (50% DSR)
Upfront cash ≈ HK$6.50M (deposit + AVD stamp duty HK$722,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,057
−HK$4,958/mo
▼ 0.25% · 3.875%
HK$81,517
−HK$2,498/mo
Today · 4.125%
HK$84,015
baseline
▲ 0.50% · 4.625%
HK$89,127
+HK$5,112/mo
Deposit HK$1.93M · loan HK$17.34M · min. income ≈ HK$168,030/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$722,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,951
−HK$4,751/mo
▼ 0.25% · 3.875%
HK$90,309
−HK$2,393/mo
Today · 4.125%
HK$92,702
baseline
▲ 0.50% · 4.625%
HK$97,589
+HK$4,887/mo
Deposit HK$1.93M · loan HK$17.34M · min. income ≈ HK$185,404/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$722,301 · Scale 2, in force from 26 Feb 2026)