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$44,034
−HK$2,761/mo
▼ 0.25% · 3.875%
HK$45,404
−HK$1,391/mo
Today · 4.125%
HK$46,795
baseline
▲ 0.50% · 4.625%
HK$49,643
+HK$2,848/mo
Deposit HK$9.66M · loan HK$9.66M · min. income ≈ HK$93,590/mo (50% DSR)
Upfront cash ≈ HK$10.38M (deposit + AVD stamp duty HK$724,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,987
−HK$2,647/mo
▼ 0.25% · 3.875%
HK$50,301
−HK$1,333/mo
Today · 4.125%
HK$51,634
baseline
▲ 0.50% · 4.625%
HK$54,356
+HK$2,722/mo
Deposit HK$9.66M · loan HK$9.66M · min. income ≈ HK$103,268/mo (50% DSR)
Upfront cash ≈ HK$10.38M (deposit + AVD stamp duty HK$724,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,841
−HK$3,313/mo
▼ 0.25% · 3.875%
HK$54,484
−HK$1,670/mo
Today · 4.125%
HK$56,154
baseline
▲ 0.50% · 4.625%
HK$59,571
+HK$3,417/mo
Deposit HK$7.72M · loan HK$11.59M · min. income ≈ HK$112,308/mo (50% DSR)
Upfront cash ≈ HK$8.45M (deposit + AVD stamp duty HK$724,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,785
−HK$3,176/mo
▼ 0.25% · 3.875%
HK$60,361
−HK$1,600/mo
Today · 4.125%
HK$61,961
baseline
▲ 0.50% · 4.625%
HK$65,227
+HK$3,266/mo
Deposit HK$7.72M · loan HK$11.59M · min. income ≈ HK$123,922/mo (50% DSR)
Upfront cash ≈ HK$8.45M (deposit + AVD stamp duty HK$724,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,648
−HK$3,865/mo
▼ 0.25% · 3.875%
HK$63,565
−HK$1,948/mo
Today · 4.125%
HK$65,513
baseline
▲ 0.50% · 4.625%
HK$69,500
+HK$3,987/mo
Deposit HK$5.79M · loan HK$13.52M · min. income ≈ HK$131,026/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$724,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,582
−HK$3,706/mo
▼ 0.25% · 3.875%
HK$70,422
−HK$1,866/mo
Today · 4.125%
HK$72,288
baseline
▲ 0.50% · 4.625%
HK$76,098
+HK$3,810/mo
Deposit HK$5.79M · loan HK$13.52M · min. income ≈ HK$144,576/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$724,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,261
−HK$4,970/mo
▼ 0.25% · 3.875%
HK$81,727
−HK$2,504/mo
Today · 4.125%
HK$84,231
baseline
▲ 0.50% · 4.625%
HK$89,357
+HK$5,126/mo
Deposit HK$1.93M · loan HK$17.38M · min. income ≈ HK$168,462/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$724,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,177
−HK$4,764/mo
▼ 0.25% · 3.875%
HK$90,542
−HK$2,399/mo
Today · 4.125%
HK$92,941
baseline
▲ 0.50% · 4.625%
HK$97,840
+HK$4,899/mo
Deposit HK$1.93M · loan HK$17.38M · min. income ≈ HK$185,882/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$724,161 · Scale 2, in force from 26 Feb 2026)