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$43,893
−HK$2,753/mo
▼ 0.25% · 3.875%
HK$45,259
−HK$1,387/mo
Today · 4.125%
HK$46,646
baseline
▲ 0.50% · 4.625%
HK$49,484
+HK$2,838/mo
Deposit HK$9.62M · loan HK$9.62M · min. income ≈ HK$93,292/mo (50% DSR)
Upfront cash ≈ HK$10.35M (deposit + AVD stamp duty HK$721,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,831
−HK$2,638/mo
▼ 0.25% · 3.875%
HK$50,141
−HK$1,328/mo
Today · 4.125%
HK$51,469
baseline
▲ 0.50% · 4.625%
HK$54,182
+HK$2,713/mo
Deposit HK$9.62M · loan HK$9.62M · min. income ≈ HK$102,938/mo (50% DSR)
Upfront cash ≈ HK$10.35M (deposit + AVD stamp duty HK$721,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,672
−HK$3,303/mo
▼ 0.25% · 3.875%
HK$54,311
−HK$1,664/mo
Today · 4.125%
HK$55,975
baseline
▲ 0.50% · 4.625%
HK$59,381
+HK$3,406/mo
Deposit HK$7.70M · loan HK$11.55M · min. income ≈ HK$111,950/mo (50% DSR)
Upfront cash ≈ HK$8.42M (deposit + AVD stamp duty HK$721,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,597
−HK$3,166/mo
▼ 0.25% · 3.875%
HK$60,169
−HK$1,594/mo
Today · 4.125%
HK$61,763
baseline
▲ 0.50% · 4.625%
HK$65,019
+HK$3,256/mo
Deposit HK$7.70M · loan HK$11.55M · min. income ≈ HK$123,526/mo (50% DSR)
Upfront cash ≈ HK$8.42M (deposit + AVD stamp duty HK$721,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,451
−HK$3,853/mo
▼ 0.25% · 3.875%
HK$63,362
−HK$1,942/mo
Today · 4.125%
HK$65,304
baseline
▲ 0.50% · 4.625%
HK$69,278
+HK$3,974/mo
Deposit HK$5.77M · loan HK$13.47M · min. income ≈ HK$130,608/mo (50% DSR)
Upfront cash ≈ HK$6.50M (deposit + AVD stamp duty HK$721,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,363
−HK$3,694/mo
▼ 0.25% · 3.875%
HK$70,197
−HK$1,860/mo
Today · 4.125%
HK$72,057
baseline
▲ 0.50% · 4.625%
HK$75,855
+HK$3,798/mo
Deposit HK$5.77M · loan HK$13.47M · min. income ≈ HK$144,114/mo (50% DSR)
Upfront cash ≈ HK$6.50M (deposit + AVD stamp duty HK$721,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,008
−HK$4,955/mo
▼ 0.25% · 3.875%
HK$81,466
−HK$2,497/mo
Today · 4.125%
HK$83,963
baseline
▲ 0.50% · 4.625%
HK$89,072
+HK$5,109/mo
Deposit HK$1.92M · loan HK$17.32M · min. income ≈ HK$167,926/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$721,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,896
−HK$4,749/mo
▼ 0.25% · 3.875%
HK$90,253
−HK$2,392/mo
Today · 4.125%
HK$92,645
baseline
▲ 0.50% · 4.625%
HK$97,528
+HK$4,883/mo
Deposit HK$1.92M · loan HK$17.32M · min. income ≈ HK$185,290/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$721,851 · Scale 2, in force from 26 Feb 2026)