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$43,963
−HK$2,756/mo
▼ 0.25% · 3.875%
HK$45,330
−HK$1,389/mo
Today · 4.125%
HK$46,719
baseline
▲ 0.50% · 4.625%
HK$49,562
+HK$2,843/mo
Deposit HK$9.64M · loan HK$9.64M · min. income ≈ HK$93,438/mo (50% DSR)
Upfront cash ≈ HK$10.36M (deposit + AVD stamp duty HK$722,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,908
−HK$2,642/mo
▼ 0.25% · 3.875%
HK$50,220
−HK$1,330/mo
Today · 4.125%
HK$51,550
baseline
▲ 0.50% · 4.625%
HK$54,268
+HK$2,718/mo
Deposit HK$9.64M · loan HK$9.64M · min. income ≈ HK$103,100/mo (50% DSR)
Upfront cash ≈ HK$10.36M (deposit + AVD stamp duty HK$722,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,755
−HK$3,308/mo
▼ 0.25% · 3.875%
HK$54,396
−HK$1,667/mo
Today · 4.125%
HK$56,063
baseline
▲ 0.50% · 4.625%
HK$59,475
+HK$3,412/mo
Deposit HK$7.71M · loan HK$11.57M · min. income ≈ HK$112,126/mo (50% DSR)
Upfront cash ≈ HK$8.43M (deposit + AVD stamp duty HK$722,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,690
−HK$3,170/mo
▼ 0.25% · 3.875%
HK$60,264
−HK$1,596/mo
Today · 4.125%
HK$61,860
baseline
▲ 0.50% · 4.625%
HK$65,121
+HK$3,261/mo
Deposit HK$7.71M · loan HK$11.57M · min. income ≈ HK$123,720/mo (50% DSR)
Upfront cash ≈ HK$8.43M (deposit + AVD stamp duty HK$722,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,548
−HK$3,859/mo
▼ 0.25% · 3.875%
HK$63,462
−HK$1,945/mo
Today · 4.125%
HK$65,407
baseline
▲ 0.50% · 4.625%
HK$69,387
+HK$3,980/mo
Deposit HK$5.78M · loan HK$13.50M · min. income ≈ HK$130,814/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$722,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,471
−HK$3,699/mo
▼ 0.25% · 3.875%
HK$70,308
−HK$1,862/mo
Today · 4.125%
HK$72,170
baseline
▲ 0.50% · 4.625%
HK$75,975
+HK$3,805/mo
Deposit HK$5.78M · loan HK$13.50M · min. income ≈ HK$144,340/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$722,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,133
−HK$4,962/mo
▼ 0.25% · 3.875%
HK$81,594
−HK$2,501/mo
Today · 4.125%
HK$84,095
baseline
▲ 0.50% · 4.625%
HK$89,212
+HK$5,117/mo
Deposit HK$1.93M · loan HK$17.35M · min. income ≈ HK$168,190/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$722,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,034
−HK$4,757/mo
▼ 0.25% · 3.875%
HK$90,395
−HK$2,396/mo
Today · 4.125%
HK$92,791
baseline
▲ 0.50% · 4.625%
HK$97,682
+HK$4,891/mo
Deposit HK$1.93M · loan HK$17.35M · min. income ≈ HK$185,582/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$722,989 · Scale 2, in force from 26 Feb 2026)