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$43,888
−HK$2,752/mo
▼ 0.25% · 3.875%
HK$45,253
−HK$1,387/mo
Today · 4.125%
HK$46,640
baseline
▲ 0.50% · 4.625%
HK$49,478
+HK$2,838/mo
Deposit HK$9.62M · loan HK$9.62M · min. income ≈ HK$93,280/mo (50% DSR)
Upfront cash ≈ HK$10.35M (deposit + AVD stamp duty HK$721,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,825
−HK$2,638/mo
▼ 0.25% · 3.875%
HK$50,135
−HK$1,328/mo
Today · 4.125%
HK$51,463
baseline
▲ 0.50% · 4.625%
HK$54,176
+HK$2,713/mo
Deposit HK$9.62M · loan HK$9.62M · min. income ≈ HK$102,926/mo (50% DSR)
Upfront cash ≈ HK$10.35M (deposit + AVD stamp duty HK$721,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,666
−HK$3,302/mo
▼ 0.25% · 3.875%
HK$54,304
−HK$1,664/mo
Today · 4.125%
HK$55,968
baseline
▲ 0.50% · 4.625%
HK$59,374
+HK$3,406/mo
Deposit HK$7.70M · loan HK$11.55M · min. income ≈ HK$111,936/mo (50% DSR)
Upfront cash ≈ HK$8.42M (deposit + AVD stamp duty HK$721,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,590
−HK$3,166/mo
▼ 0.25% · 3.875%
HK$60,162
−HK$1,594/mo
Today · 4.125%
HK$61,756
baseline
▲ 0.50% · 4.625%
HK$65,011
+HK$3,255/mo
Deposit HK$7.70M · loan HK$11.55M · min. income ≈ HK$123,512/mo (50% DSR)
Upfront cash ≈ HK$8.42M (deposit + AVD stamp duty HK$721,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,443
−HK$3,854/mo
▼ 0.25% · 3.875%
HK$63,355
−HK$1,942/mo
Today · 4.125%
HK$65,297
baseline
▲ 0.50% · 4.625%
HK$69,270
+HK$3,973/mo
Deposit HK$5.77M · loan HK$13.47M · min. income ≈ HK$130,594/mo (50% DSR)
Upfront cash ≈ HK$6.50M (deposit + AVD stamp duty HK$721,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,355
−HK$3,693/mo
▼ 0.25% · 3.875%
HK$70,188
−HK$1,860/mo
Today · 4.125%
HK$72,048
baseline
▲ 0.50% · 4.625%
HK$75,846
+HK$3,798/mo
Deposit HK$5.77M · loan HK$13.47M · min. income ≈ HK$144,096/mo (50% DSR)
Upfront cash ≈ HK$6.50M (deposit + AVD stamp duty HK$721,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,999
−HK$4,954/mo
▼ 0.25% · 3.875%
HK$81,456
−HK$2,497/mo
Today · 4.125%
HK$83,953
baseline
▲ 0.50% · 4.625%
HK$89,061
+HK$5,108/mo
Deposit HK$1.92M · loan HK$17.32M · min. income ≈ HK$167,906/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$721,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,885
−HK$4,748/mo
▼ 0.25% · 3.875%
HK$90,242
−HK$2,391/mo
Today · 4.125%
HK$92,633
baseline
▲ 0.50% · 4.625%
HK$97,516
+HK$4,883/mo
Deposit HK$1.92M · loan HK$17.32M · min. income ≈ HK$185,266/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$721,764 · Scale 2, in force from 26 Feb 2026)