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$43,965
−HK$2,757/mo
▼ 0.25% · 3.875%
HK$45,333
−HK$1,389/mo
Today · 4.125%
HK$46,722
baseline
▲ 0.50% · 4.625%
HK$49,565
+HK$2,843/mo
Deposit HK$9.64M · loan HK$9.64M · min. income ≈ HK$93,444/mo (50% DSR)
Upfront cash ≈ HK$10.36M (deposit + AVD stamp duty HK$723,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,911
−HK$2,642/mo
▼ 0.25% · 3.875%
HK$50,223
−HK$1,330/mo
Today · 4.125%
HK$51,553
baseline
▲ 0.50% · 4.625%
HK$54,271
+HK$2,718/mo
Deposit HK$9.64M · loan HK$9.64M · min. income ≈ HK$103,106/mo (50% DSR)
Upfront cash ≈ HK$10.36M (deposit + AVD stamp duty HK$723,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,758
−HK$3,309/mo
▼ 0.25% · 3.875%
HK$54,399
−HK$1,668/mo
Today · 4.125%
HK$56,067
baseline
▲ 0.50% · 4.625%
HK$59,478
+HK$3,411/mo
Deposit HK$7.71M · loan HK$11.57M · min. income ≈ HK$112,134/mo (50% DSR)
Upfront cash ≈ HK$8.44M (deposit + AVD stamp duty HK$723,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,693
−HK$3,171/mo
▼ 0.25% · 3.875%
HK$60,267
−HK$1,597/mo
Today · 4.125%
HK$61,864
baseline
▲ 0.50% · 4.625%
HK$65,125
+HK$3,261/mo
Deposit HK$7.71M · loan HK$11.57M · min. income ≈ HK$123,728/mo (50% DSR)
Upfront cash ≈ HK$8.44M (deposit + AVD stamp duty HK$723,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,551
−HK$3,860/mo
▼ 0.25% · 3.875%
HK$63,466
−HK$1,945/mo
Today · 4.125%
HK$65,411
baseline
▲ 0.50% · 4.625%
HK$69,391
+HK$3,980/mo
Deposit HK$5.78M · loan HK$13.50M · min. income ≈ HK$130,822/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$723,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,475
−HK$3,700/mo
▼ 0.25% · 3.875%
HK$70,312
−HK$1,863/mo
Today · 4.125%
HK$72,175
baseline
▲ 0.50% · 4.625%
HK$75,979
+HK$3,804/mo
Deposit HK$5.78M · loan HK$13.50M · min. income ≈ HK$144,350/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$723,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,137
−HK$4,963/mo
▼ 0.25% · 3.875%
HK$81,599
−HK$2,501/mo
Today · 4.125%
HK$84,100
baseline
▲ 0.50% · 4.625%
HK$89,217
+HK$5,117/mo
Deposit HK$1.93M · loan HK$17.35M · min. income ≈ HK$168,200/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$723,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,040
−HK$4,756/mo
▼ 0.25% · 3.875%
HK$90,401
−HK$2,395/mo
Today · 4.125%
HK$92,796
baseline
▲ 0.50% · 4.625%
HK$97,688
+HK$4,892/mo
Deposit HK$1.93M · loan HK$17.35M · min. income ≈ HK$185,592/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$723,032 · Scale 2, in force from 26 Feb 2026)