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$43,986
−HK$2,759/mo
▼ 0.25% · 3.875%
HK$45,355
−HK$1,390/mo
Today · 4.125%
HK$46,745
baseline
▲ 0.50% · 4.625%
HK$49,589
+HK$2,844/mo
Deposit HK$9.65M · loan HK$9.65M · min. income ≈ HK$93,490/mo (50% DSR)
Upfront cash ≈ HK$10.37M (deposit + AVD stamp duty HK$723,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,934
−HK$2,644/mo
▼ 0.25% · 3.875%
HK$50,247
−HK$1,331/mo
Today · 4.125%
HK$51,578
baseline
▲ 0.50% · 4.625%
HK$54,297
+HK$2,719/mo
Deposit HK$9.65M · loan HK$9.65M · min. income ≈ HK$103,156/mo (50% DSR)
Upfront cash ≈ HK$10.37M (deposit + AVD stamp duty HK$723,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,784
−HK$3,310/mo
▼ 0.25% · 3.875%
HK$54,425
−HK$1,669/mo
Today · 4.125%
HK$56,094
baseline
▲ 0.50% · 4.625%
HK$59,507
+HK$3,413/mo
Deposit HK$7.72M · loan HK$11.57M · min. income ≈ HK$112,188/mo (50% DSR)
Upfront cash ≈ HK$8.44M (deposit + AVD stamp duty HK$723,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,721
−HK$3,173/mo
▼ 0.25% · 3.875%
HK$60,296
−HK$1,598/mo
Today · 4.125%
HK$61,894
baseline
▲ 0.50% · 4.625%
HK$65,156
+HK$3,262/mo
Deposit HK$7.72M · loan HK$11.57M · min. income ≈ HK$123,788/mo (50% DSR)
Upfront cash ≈ HK$8.44M (deposit + AVD stamp duty HK$723,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,581
−HK$3,861/mo
▼ 0.25% · 3.875%
HK$63,496
−HK$1,946/mo
Today · 4.125%
HK$65,442
baseline
▲ 0.50% · 4.625%
HK$69,424
+HK$3,982/mo
Deposit HK$5.79M · loan HK$13.50M · min. income ≈ HK$130,884/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$723,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,508
−HK$3,701/mo
▼ 0.25% · 3.875%
HK$70,345
−HK$1,864/mo
Today · 4.125%
HK$72,209
baseline
▲ 0.50% · 4.625%
HK$76,016
+HK$3,807/mo
Deposit HK$5.79M · loan HK$13.50M · min. income ≈ HK$144,418/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$723,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,175
−HK$4,965/mo
▼ 0.25% · 3.875%
HK$81,638
−HK$2,502/mo
Today · 4.125%
HK$84,140
baseline
▲ 0.50% · 4.625%
HK$89,260
+HK$5,120/mo
Deposit HK$1.93M · loan HK$17.36M · min. income ≈ HK$168,280/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$723,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,082
−HK$4,759/mo
▼ 0.25% · 3.875%
HK$90,444
−HK$2,397/mo
Today · 4.125%
HK$92,841
baseline
▲ 0.50% · 4.625%
HK$97,734
+HK$4,893/mo
Deposit HK$1.93M · loan HK$17.36M · min. income ≈ HK$185,682/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$723,378 · Scale 2, in force from 26 Feb 2026)