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$44,005
−HK$2,760/mo
▼ 0.25% · 3.875%
HK$45,374
−HK$1,391/mo
Today · 4.125%
HK$46,765
baseline
▲ 0.50% · 4.625%
HK$49,610
+HK$2,845/mo
Deposit HK$9.65M · loan HK$9.65M · min. income ≈ HK$93,530/mo (50% DSR)
Upfront cash ≈ HK$10.37M (deposit + AVD stamp duty HK$723,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,956
−HK$2,644/mo
▼ 0.25% · 3.875%
HK$50,268
−HK$1,332/mo
Today · 4.125%
HK$51,600
baseline
▲ 0.50% · 4.625%
HK$54,320
+HK$2,720/mo
Deposit HK$9.65M · loan HK$9.65M · min. income ≈ HK$103,200/mo (50% DSR)
Upfront cash ≈ HK$10.37M (deposit + AVD stamp duty HK$723,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,806
−HK$3,312/mo
▼ 0.25% · 3.875%
HK$54,449
−HK$1,669/mo
Today · 4.125%
HK$56,118
baseline
▲ 0.50% · 4.625%
HK$59,532
+HK$3,414/mo
Deposit HK$7.72M · loan HK$11.58M · min. income ≈ HK$112,236/mo (50% DSR)
Upfront cash ≈ HK$8.44M (deposit + AVD stamp duty HK$723,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,747
−HK$3,174/mo
▼ 0.25% · 3.875%
HK$60,322
−HK$1,599/mo
Today · 4.125%
HK$61,921
baseline
▲ 0.50% · 4.625%
HK$65,184
+HK$3,263/mo
Deposit HK$7.72M · loan HK$11.58M · min. income ≈ HK$123,842/mo (50% DSR)
Upfront cash ≈ HK$8.44M (deposit + AVD stamp duty HK$723,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,608
−HK$3,863/mo
▼ 0.25% · 3.875%
HK$63,524
−HK$1,947/mo
Today · 4.125%
HK$65,471
baseline
▲ 0.50% · 4.625%
HK$69,455
+HK$3,984/mo
Deposit HK$5.79M · loan HK$13.51M · min. income ≈ HK$130,942/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$723,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,538
−HK$3,703/mo
▼ 0.25% · 3.875%
HK$70,376
−HK$1,865/mo
Today · 4.125%
HK$72,241
baseline
▲ 0.50% · 4.625%
HK$76,049
+HK$3,808/mo
Deposit HK$5.79M · loan HK$13.51M · min. income ≈ HK$144,482/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$723,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,210
−HK$4,967/mo
▼ 0.25% · 3.875%
HK$81,674
−HK$2,503/mo
Today · 4.125%
HK$84,177
baseline
▲ 0.50% · 4.625%
HK$89,299
+HK$5,122/mo
Deposit HK$1.93M · loan HK$17.37M · min. income ≈ HK$168,354/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$723,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,120
−HK$4,761/mo
▼ 0.25% · 3.875%
HK$90,483
−HK$2,398/mo
Today · 4.125%
HK$92,881
baseline
▲ 0.50% · 4.625%
HK$97,777
+HK$4,896/mo
Deposit HK$1.93M · loan HK$17.37M · min. income ≈ HK$185,762/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$723,691 · Scale 2, in force from 26 Feb 2026)