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$43,992
−HK$2,758/mo
▼ 0.25% · 3.875%
HK$45,360
−HK$1,390/mo
Today · 4.125%
HK$46,750
baseline
▲ 0.50% · 4.625%
HK$49,595
+HK$2,845/mo
Deposit HK$9.65M · loan HK$9.65M · min. income ≈ HK$93,500/mo (50% DSR)
Upfront cash ≈ HK$10.37M (deposit + AVD stamp duty HK$723,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,940
−HK$2,644/mo
▼ 0.25% · 3.875%
HK$50,253
−HK$1,331/mo
Today · 4.125%
HK$51,584
baseline
▲ 0.50% · 4.625%
HK$54,303
+HK$2,719/mo
Deposit HK$9.65M · loan HK$9.65M · min. income ≈ HK$103,168/mo (50% DSR)
Upfront cash ≈ HK$10.37M (deposit + AVD stamp duty HK$723,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,790
−HK$3,310/mo
▼ 0.25% · 3.875%
HK$54,432
−HK$1,668/mo
Today · 4.125%
HK$56,100
baseline
▲ 0.50% · 4.625%
HK$59,514
+HK$3,414/mo
Deposit HK$7.72M · loan HK$11.58M · min. income ≈ HK$112,200/mo (50% DSR)
Upfront cash ≈ HK$8.44M (deposit + AVD stamp duty HK$723,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,728
−HK$3,173/mo
▼ 0.25% · 3.875%
HK$60,303
−HK$1,598/mo
Today · 4.125%
HK$61,901
baseline
▲ 0.50% · 4.625%
HK$65,164
+HK$3,263/mo
Deposit HK$7.72M · loan HK$11.58M · min. income ≈ HK$123,802/mo (50% DSR)
Upfront cash ≈ HK$8.44M (deposit + AVD stamp duty HK$723,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,588
−HK$3,862/mo
▼ 0.25% · 3.875%
HK$63,504
−HK$1,946/mo
Today · 4.125%
HK$65,450
baseline
▲ 0.50% · 4.625%
HK$69,433
+HK$3,983/mo
Deposit HK$5.79M · loan HK$13.50M · min. income ≈ HK$130,900/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$723,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,516
−HK$3,702/mo
▼ 0.25% · 3.875%
HK$70,354
−HK$1,864/mo
Today · 4.125%
HK$72,218
baseline
▲ 0.50% · 4.625%
HK$76,025
+HK$3,807/mo
Deposit HK$5.79M · loan HK$13.50M · min. income ≈ HK$144,436/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$723,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,185
−HK$4,966/mo
▼ 0.25% · 3.875%
HK$81,648
−HK$2,503/mo
Today · 4.125%
HK$84,151
baseline
▲ 0.50% · 4.625%
HK$89,271
+HK$5,120/mo
Deposit HK$1.93M · loan HK$17.36M · min. income ≈ HK$168,302/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$723,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,092
−HK$4,760/mo
▼ 0.25% · 3.875%
HK$90,455
−HK$2,397/mo
Today · 4.125%
HK$92,852
baseline
▲ 0.50% · 4.625%
HK$97,746
+HK$4,894/mo
Deposit HK$1.93M · loan HK$17.36M · min. income ≈ HK$185,704/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$723,466 · Scale 2, in force from 26 Feb 2026)