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$43,994
−HK$2,759/mo
▼ 0.25% · 3.875%
HK$45,363
−HK$1,390/mo
Today · 4.125%
HK$46,753
baseline
▲ 0.50% · 4.625%
HK$49,598
+HK$2,845/mo
Deposit HK$9.65M · loan HK$9.65M · min. income ≈ HK$93,506/mo (50% DSR)
Upfront cash ≈ HK$10.37M (deposit + AVD stamp duty HK$723,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,943
−HK$2,645/mo
▼ 0.25% · 3.875%
HK$50,256
−HK$1,332/mo
Today · 4.125%
HK$51,588
baseline
▲ 0.50% · 4.625%
HK$54,307
+HK$2,719/mo
Deposit HK$9.65M · loan HK$9.65M · min. income ≈ HK$103,176/mo (50% DSR)
Upfront cash ≈ HK$10.37M (deposit + AVD stamp duty HK$723,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,793
−HK$3,311/mo
▼ 0.25% · 3.875%
HK$54,435
−HK$1,669/mo
Today · 4.125%
HK$56,104
baseline
▲ 0.50% · 4.625%
HK$59,518
+HK$3,414/mo
Deposit HK$7.72M · loan HK$11.58M · min. income ≈ HK$112,208/mo (50% DSR)
Upfront cash ≈ HK$8.44M (deposit + AVD stamp duty HK$723,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,732
−HK$3,173/mo
▼ 0.25% · 3.875%
HK$60,307
−HK$1,598/mo
Today · 4.125%
HK$61,905
baseline
▲ 0.50% · 4.625%
HK$65,168
+HK$3,263/mo
Deposit HK$7.72M · loan HK$11.58M · min. income ≈ HK$123,810/mo (50% DSR)
Upfront cash ≈ HK$8.44M (deposit + AVD stamp duty HK$723,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,592
−HK$3,862/mo
▼ 0.25% · 3.875%
HK$63,508
−HK$1,946/mo
Today · 4.125%
HK$65,454
baseline
▲ 0.50% · 4.625%
HK$69,437
+HK$3,983/mo
Deposit HK$5.79M · loan HK$13.51M · min. income ≈ HK$130,908/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$723,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,521
−HK$3,702/mo
▼ 0.25% · 3.875%
HK$70,358
−HK$1,865/mo
Today · 4.125%
HK$72,223
baseline
▲ 0.50% · 4.625%
HK$76,030
+HK$3,807/mo
Deposit HK$5.79M · loan HK$13.51M · min. income ≈ HK$144,446/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$723,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,190
−HK$4,966/mo
▼ 0.25% · 3.875%
HK$81,653
−HK$2,503/mo
Today · 4.125%
HK$84,156
baseline
▲ 0.50% · 4.625%
HK$89,276
+HK$5,120/mo
Deposit HK$1.93M · loan HK$17.36M · min. income ≈ HK$168,312/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$723,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,098
−HK$4,760/mo
▼ 0.25% · 3.875%
HK$90,461
−HK$2,397/mo
Today · 4.125%
HK$92,858
baseline
▲ 0.50% · 4.625%
HK$97,752
+HK$4,894/mo
Deposit HK$1.93M · loan HK$17.36M · min. income ≈ HK$185,716/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$723,511 · Scale 2, in force from 26 Feb 2026)