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$43,942
−HK$2,756/mo
▼ 0.25% · 3.875%
HK$45,309
−HK$1,389/mo
Today · 4.125%
HK$46,698
baseline
▲ 0.50% · 4.625%
HK$49,539
+HK$2,841/mo
Deposit HK$9.64M · loan HK$9.64M · min. income ≈ HK$93,396/mo (50% DSR)
Upfront cash ≈ HK$10.36M (deposit + AVD stamp duty HK$722,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,885
−HK$2,641/mo
▼ 0.25% · 3.875%
HK$50,196
−HK$1,330/mo
Today · 4.125%
HK$51,526
baseline
▲ 0.50% · 4.625%
HK$54,242
+HK$2,716/mo
Deposit HK$9.64M · loan HK$9.64M · min. income ≈ HK$103,052/mo (50% DSR)
Upfront cash ≈ HK$10.36M (deposit + AVD stamp duty HK$722,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,730
−HK$3,307/mo
▼ 0.25% · 3.875%
HK$54,371
−HK$1,666/mo
Today · 4.125%
HK$56,037
baseline
▲ 0.50% · 4.625%
HK$59,447
+HK$3,410/mo
Deposit HK$7.71M · loan HK$11.56M · min. income ≈ HK$112,074/mo (50% DSR)
Upfront cash ≈ HK$8.43M (deposit + AVD stamp duty HK$722,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,662
−HK$3,169/mo
▼ 0.25% · 3.875%
HK$60,235
−HK$1,596/mo
Today · 4.125%
HK$61,831
baseline
▲ 0.50% · 4.625%
HK$65,091
+HK$3,260/mo
Deposit HK$7.71M · loan HK$11.56M · min. income ≈ HK$123,662/mo (50% DSR)
Upfront cash ≈ HK$8.43M (deposit + AVD stamp duty HK$722,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,519
−HK$3,858/mo
▼ 0.25% · 3.875%
HK$63,432
−HK$1,945/mo
Today · 4.125%
HK$65,377
baseline
▲ 0.50% · 4.625%
HK$69,355
+HK$3,978/mo
Deposit HK$5.78M · loan HK$13.49M · min. income ≈ HK$130,754/mo (50% DSR)
Upfront cash ≈ HK$6.50M (deposit + AVD stamp duty HK$722,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,439
−HK$3,698/mo
▼ 0.25% · 3.875%
HK$70,275
−HK$1,862/mo
Today · 4.125%
HK$72,137
baseline
▲ 0.50% · 4.625%
HK$75,939
+HK$3,802/mo
Deposit HK$5.78M · loan HK$13.49M · min. income ≈ HK$144,274/mo (50% DSR)
Upfront cash ≈ HK$6.50M (deposit + AVD stamp duty HK$722,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,096
−HK$4,960/mo
▼ 0.25% · 3.875%
HK$81,556
−HK$2,500/mo
Today · 4.125%
HK$84,056
baseline
▲ 0.50% · 4.625%
HK$89,170
+HK$5,114/mo
Deposit HK$1.93M · loan HK$17.34M · min. income ≈ HK$168,112/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$722,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,993
−HK$4,754/mo
▼ 0.25% · 3.875%
HK$90,353
−HK$2,394/mo
Today · 4.125%
HK$92,747
baseline
▲ 0.50% · 4.625%
HK$97,636
+HK$4,889/mo
Deposit HK$1.93M · loan HK$17.34M · min. income ≈ HK$185,494/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$722,650 · Scale 2, in force from 26 Feb 2026)