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$43,961
−HK$2,757/mo
▼ 0.25% · 3.875%
HK$45,329
−HK$1,389/mo
Today · 4.125%
HK$46,718
baseline
▲ 0.50% · 4.625%
HK$49,561
+HK$2,843/mo
Deposit HK$9.64M · loan HK$9.64M · min. income ≈ HK$93,436/mo (50% DSR)
Upfront cash ≈ HK$10.36M (deposit + AVD stamp duty HK$722,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,907
−HK$2,642/mo
▼ 0.25% · 3.875%
HK$50,218
−HK$1,331/mo
Today · 4.125%
HK$51,549
baseline
▲ 0.50% · 4.625%
HK$54,266
+HK$2,717/mo
Deposit HK$9.64M · loan HK$9.64M · min. income ≈ HK$103,098/mo (50% DSR)
Upfront cash ≈ HK$10.36M (deposit + AVD stamp duty HK$722,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,754
−HK$3,308/mo
▼ 0.25% · 3.875%
HK$54,395
−HK$1,667/mo
Today · 4.125%
HK$56,062
baseline
▲ 0.50% · 4.625%
HK$59,473
+HK$3,411/mo
Deposit HK$7.71M · loan HK$11.57M · min. income ≈ HK$112,124/mo (50% DSR)
Upfront cash ≈ HK$8.43M (deposit + AVD stamp duty HK$722,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,688
−HK$3,171/mo
▼ 0.25% · 3.875%
HK$60,262
−HK$1,597/mo
Today · 4.125%
HK$61,859
baseline
▲ 0.50% · 4.625%
HK$65,119
+HK$3,260/mo
Deposit HK$7.71M · loan HK$11.57M · min. income ≈ HK$123,718/mo (50% DSR)
Upfront cash ≈ HK$8.43M (deposit + AVD stamp duty HK$722,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,546
−HK$3,860/mo
▼ 0.25% · 3.875%
HK$63,460
−HK$1,946/mo
Today · 4.125%
HK$65,406
baseline
▲ 0.50% · 4.625%
HK$69,385
+HK$3,979/mo
Deposit HK$5.78M · loan HK$13.50M · min. income ≈ HK$130,812/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$722,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,469
−HK$3,700/mo
▼ 0.25% · 3.875%
HK$70,306
−HK$1,863/mo
Today · 4.125%
HK$72,169
baseline
▲ 0.50% · 4.625%
HK$75,973
+HK$3,804/mo
Deposit HK$5.78M · loan HK$13.50M · min. income ≈ HK$144,338/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$722,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,131
−HK$4,962/mo
▼ 0.25% · 3.875%
HK$81,592
−HK$2,501/mo
Today · 4.125%
HK$84,093
baseline
▲ 0.50% · 4.625%
HK$89,210
+HK$5,117/mo
Deposit HK$1.93M · loan HK$17.35M · min. income ≈ HK$168,186/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$722,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,032
−HK$4,756/mo
▼ 0.25% · 3.875%
HK$90,393
−HK$2,395/mo
Today · 4.125%
HK$92,788
baseline
▲ 0.50% · 4.625%
HK$97,679
+HK$4,891/mo
Deposit HK$1.93M · loan HK$17.35M · min. income ≈ HK$185,576/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$722,970 · Scale 2, in force from 26 Feb 2026)