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$43,818
−HK$2,748/mo
▼ 0.25% · 3.875%
HK$45,181
−HK$1,385/mo
Today · 4.125%
HK$46,566
baseline
▲ 0.50% · 4.625%
HK$49,399
+HK$2,833/mo
Deposit HK$9.61M · loan HK$9.61M · min. income ≈ HK$93,132/mo (50% DSR)
Upfront cash ≈ HK$10.33M (deposit + AVD stamp duty HK$720,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,747
−HK$2,634/mo
▼ 0.25% · 3.875%
HK$50,054
−HK$1,327/mo
Today · 4.125%
HK$51,381
baseline
▲ 0.50% · 4.625%
HK$54,089
+HK$2,708/mo
Deposit HK$9.61M · loan HK$9.61M · min. income ≈ HK$102,762/mo (50% DSR)
Upfront cash ≈ HK$10.33M (deposit + AVD stamp duty HK$720,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,582
−HK$3,297/mo
▼ 0.25% · 3.875%
HK$54,217
−HK$1,662/mo
Today · 4.125%
HK$55,879
baseline
▲ 0.50% · 4.625%
HK$59,279
+HK$3,400/mo
Deposit HK$7.69M · loan HK$11.53M · min. income ≈ HK$111,758/mo (50% DSR)
Upfront cash ≈ HK$8.41M (deposit + AVD stamp duty HK$720,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,496
−HK$3,161/mo
▼ 0.25% · 3.875%
HK$60,065
−HK$1,592/mo
Today · 4.125%
HK$61,657
baseline
▲ 0.50% · 4.625%
HK$64,907
+HK$3,250/mo
Deposit HK$7.69M · loan HK$11.53M · min. income ≈ HK$123,314/mo (50% DSR)
Upfront cash ≈ HK$8.41M (deposit + AVD stamp duty HK$720,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,345
−HK$3,847/mo
▼ 0.25% · 3.875%
HK$63,253
−HK$1,939/mo
Today · 4.125%
HK$65,192
baseline
▲ 0.50% · 4.625%
HK$69,159
+HK$3,967/mo
Deposit HK$5.76M · loan HK$13.45M · min. income ≈ HK$130,384/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$720,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,246
−HK$3,687/mo
▼ 0.25% · 3.875%
HK$70,076
−HK$1,857/mo
Today · 4.125%
HK$71,933
baseline
▲ 0.50% · 4.625%
HK$75,725
+HK$3,792/mo
Deposit HK$5.76M · loan HK$13.45M · min. income ≈ HK$143,866/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$720,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,872
−HK$4,946/mo
▼ 0.25% · 3.875%
HK$81,326
−HK$2,492/mo
Today · 4.125%
HK$83,818
baseline
▲ 0.50% · 4.625%
HK$88,918
+HK$5,100/mo
Deposit HK$1.92M · loan HK$17.29M · min. income ≈ HK$167,636/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$720,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,745
−HK$4,740/mo
▼ 0.25% · 3.875%
HK$90,098
−HK$2,387/mo
Today · 4.125%
HK$92,485
baseline
▲ 0.50% · 4.625%
HK$97,360
+HK$4,875/mo
Deposit HK$1.92M · loan HK$17.29M · min. income ≈ HK$184,970/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$720,610 · Scale 2, in force from 26 Feb 2026)