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$43,944
−HK$2,756/mo
▼ 0.25% · 3.875%
HK$45,311
−HK$1,389/mo
Today · 4.125%
HK$46,700
baseline
▲ 0.50% · 4.625%
HK$49,541
+HK$2,841/mo
Deposit HK$9.64M · loan HK$9.64M · min. income ≈ HK$93,400/mo (50% DSR)
Upfront cash ≈ HK$10.36M (deposit + AVD stamp duty HK$722,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,887
−HK$2,642/mo
▼ 0.25% · 3.875%
HK$50,199
−HK$1,330/mo
Today · 4.125%
HK$51,529
baseline
▲ 0.50% · 4.625%
HK$54,245
+HK$2,716/mo
Deposit HK$9.64M · loan HK$9.64M · min. income ≈ HK$103,058/mo (50% DSR)
Upfront cash ≈ HK$10.36M (deposit + AVD stamp duty HK$722,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,733
−HK$3,307/mo
▼ 0.25% · 3.875%
HK$54,373
−HK$1,667/mo
Today · 4.125%
HK$56,040
baseline
▲ 0.50% · 4.625%
HK$59,450
+HK$3,410/mo
Deposit HK$7.71M · loan HK$11.56M · min. income ≈ HK$112,080/mo (50% DSR)
Upfront cash ≈ HK$8.43M (deposit + AVD stamp duty HK$722,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,665
−HK$3,169/mo
▼ 0.25% · 3.875%
HK$60,238
−HK$1,596/mo
Today · 4.125%
HK$61,834
baseline
▲ 0.50% · 4.625%
HK$65,094
+HK$3,260/mo
Deposit HK$7.71M · loan HK$11.56M · min. income ≈ HK$123,668/mo (50% DSR)
Upfront cash ≈ HK$8.43M (deposit + AVD stamp duty HK$722,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,522
−HK$3,858/mo
▼ 0.25% · 3.875%
HK$63,436
−HK$1,944/mo
Today · 4.125%
HK$65,380
baseline
▲ 0.50% · 4.625%
HK$69,358
+HK$3,978/mo
Deposit HK$5.78M · loan HK$13.49M · min. income ≈ HK$130,760/mo (50% DSR)
Upfront cash ≈ HK$6.50M (deposit + AVD stamp duty HK$722,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,442
−HK$3,698/mo
▼ 0.25% · 3.875%
HK$70,278
−HK$1,862/mo
Today · 4.125%
HK$72,140
baseline
▲ 0.50% · 4.625%
HK$75,943
+HK$3,803/mo
Deposit HK$5.78M · loan HK$13.49M · min. income ≈ HK$144,280/mo (50% DSR)
Upfront cash ≈ HK$6.50M (deposit + AVD stamp duty HK$722,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,100
−HK$4,960/mo
▼ 0.25% · 3.875%
HK$81,560
−HK$2,500/mo
Today · 4.125%
HK$84,060
baseline
▲ 0.50% · 4.625%
HK$89,175
+HK$5,115/mo
Deposit HK$1.93M · loan HK$17.34M · min. income ≈ HK$168,120/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$722,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,997
−HK$4,755/mo
▼ 0.25% · 3.875%
HK$90,358
−HK$2,394/mo
Today · 4.125%
HK$92,752
baseline
▲ 0.50% · 4.625%
HK$97,641
+HK$4,889/mo
Deposit HK$1.93M · loan HK$17.34M · min. income ≈ HK$185,504/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$722,686 · Scale 2, in force from 26 Feb 2026)