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$44,021
−HK$2,761/mo
▼ 0.25% · 3.875%
HK$45,391
−HK$1,391/mo
Today · 4.125%
HK$46,782
baseline
▲ 0.50% · 4.625%
HK$49,628
+HK$2,846/mo
Deposit HK$9.65M · loan HK$9.65M · min. income ≈ HK$93,564/mo (50% DSR)
Upfront cash ≈ HK$10.38M (deposit + AVD stamp duty HK$723,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,973
−HK$2,646/mo
▼ 0.25% · 3.875%
HK$50,287
−HK$1,332/mo
Today · 4.125%
HK$51,619
baseline
▲ 0.50% · 4.625%
HK$54,340
+HK$2,721/mo
Deposit HK$9.65M · loan HK$9.65M · min. income ≈ HK$103,238/mo (50% DSR)
Upfront cash ≈ HK$10.38M (deposit + AVD stamp duty HK$723,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,826
−HK$3,312/mo
▼ 0.25% · 3.875%
HK$54,469
−HK$1,669/mo
Today · 4.125%
HK$56,138
baseline
▲ 0.50% · 4.625%
HK$59,554
+HK$3,416/mo
Deposit HK$7.72M · loan HK$11.58M · min. income ≈ HK$112,276/mo (50% DSR)
Upfront cash ≈ HK$8.45M (deposit + AVD stamp duty HK$723,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,768
−HK$3,175/mo
▼ 0.25% · 3.875%
HK$60,344
−HK$1,599/mo
Today · 4.125%
HK$61,943
baseline
▲ 0.50% · 4.625%
HK$65,208
+HK$3,265/mo
Deposit HK$7.72M · loan HK$11.58M · min. income ≈ HK$123,886/mo (50% DSR)
Upfront cash ≈ HK$8.45M (deposit + AVD stamp duty HK$723,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,630
−HK$3,865/mo
▼ 0.25% · 3.875%
HK$63,547
−HK$1,948/mo
Today · 4.125%
HK$65,495
baseline
▲ 0.50% · 4.625%
HK$69,480
+HK$3,985/mo
Deposit HK$5.79M · loan HK$13.51M · min. income ≈ HK$130,990/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$723,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,563
−HK$3,704/mo
▼ 0.25% · 3.875%
HK$70,401
−HK$1,866/mo
Today · 4.125%
HK$72,267
baseline
▲ 0.50% · 4.625%
HK$76,076
+HK$3,809/mo
Deposit HK$5.79M · loan HK$13.51M · min. income ≈ HK$144,534/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$723,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,238
−HK$4,969/mo
▼ 0.25% · 3.875%
HK$81,703
−HK$2,504/mo
Today · 4.125%
HK$84,207
baseline
▲ 0.50% · 4.625%
HK$89,331
+HK$5,124/mo
Deposit HK$1.93M · loan HK$17.37M · min. income ≈ HK$168,414/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$723,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,152
−HK$4,762/mo
▼ 0.25% · 3.875%
HK$90,516
−HK$2,398/mo
Today · 4.125%
HK$92,914
baseline
▲ 0.50% · 4.625%
HK$97,812
+HK$4,898/mo
Deposit HK$1.93M · loan HK$17.37M · min. income ≈ HK$185,828/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$723,954 · Scale 2, in force from 26 Feb 2026)