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$43,850
−HK$2,750/mo
▼ 0.25% · 3.875%
HK$45,214
−HK$1,386/mo
Today · 4.125%
HK$46,600
baseline
▲ 0.50% · 4.625%
HK$49,436
+HK$2,836/mo
Deposit HK$9.62M · loan HK$9.62M · min. income ≈ HK$93,200/mo (50% DSR)
Upfront cash ≈ HK$10.34M (deposit + AVD stamp duty HK$721,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,783
−HK$2,636/mo
▼ 0.25% · 3.875%
HK$50,091
−HK$1,328/mo
Today · 4.125%
HK$51,419
baseline
▲ 0.50% · 4.625%
HK$54,129
+HK$2,710/mo
Deposit HK$9.62M · loan HK$9.62M · min. income ≈ HK$102,838/mo (50% DSR)
Upfront cash ≈ HK$10.34M (deposit + AVD stamp duty HK$721,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,620
−HK$3,300/mo
▼ 0.25% · 3.875%
HK$54,257
−HK$1,663/mo
Today · 4.125%
HK$55,920
baseline
▲ 0.50% · 4.625%
HK$59,323
+HK$3,403/mo
Deposit HK$7.69M · loan HK$11.54M · min. income ≈ HK$111,840/mo (50% DSR)
Upfront cash ≈ HK$8.41M (deposit + AVD stamp duty HK$721,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,540
−HK$3,162/mo
▼ 0.25% · 3.875%
HK$60,110
−HK$1,592/mo
Today · 4.125%
HK$61,702
baseline
▲ 0.50% · 4.625%
HK$64,955
+HK$3,253/mo
Deposit HK$7.69M · loan HK$11.54M · min. income ≈ HK$123,404/mo (50% DSR)
Upfront cash ≈ HK$8.41M (deposit + AVD stamp duty HK$721,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,391
−HK$3,849/mo
▼ 0.25% · 3.875%
HK$63,300
−HK$1,940/mo
Today · 4.125%
HK$65,240
baseline
▲ 0.50% · 4.625%
HK$69,210
+HK$3,970/mo
Deposit HK$5.77M · loan HK$13.46M · min. income ≈ HK$130,480/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$721,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,296
−HK$3,690/mo
▼ 0.25% · 3.875%
HK$70,128
−HK$1,858/mo
Today · 4.125%
HK$71,986
baseline
▲ 0.50% · 4.625%
HK$75,781
+HK$3,795/mo
Deposit HK$5.77M · loan HK$13.46M · min. income ≈ HK$143,972/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$721,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,931
−HK$4,949/mo
▼ 0.25% · 3.875%
HK$81,386
−HK$2,494/mo
Today · 4.125%
HK$83,880
baseline
▲ 0.50% · 4.625%
HK$88,984
+HK$5,104/mo
Deposit HK$1.92M · loan HK$17.31M · min. income ≈ HK$167,760/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$721,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,810
−HK$4,744/mo
▼ 0.25% · 3.875%
HK$90,165
−HK$2,389/mo
Today · 4.125%
HK$92,554
baseline
▲ 0.50% · 4.625%
HK$97,432
+HK$4,878/mo
Deposit HK$1.92M · loan HK$17.31M · min. income ≈ HK$185,108/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$721,143 · Scale 2, in force from 26 Feb 2026)