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$44,052
−HK$2,763/mo
▼ 0.25% · 3.875%
HK$45,423
−HK$1,392/mo
Today · 4.125%
HK$46,815
baseline
▲ 0.50% · 4.625%
HK$49,664
+HK$2,849/mo
Deposit HK$9.66M · loan HK$9.66M · min. income ≈ HK$93,630/mo (50% DSR)
Upfront cash ≈ HK$10.38M (deposit + AVD stamp duty HK$724,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,008
−HK$2,648/mo
▼ 0.25% · 3.875%
HK$50,322
−HK$1,334/mo
Today · 4.125%
HK$51,656
baseline
▲ 0.50% · 4.625%
HK$54,379
+HK$2,723/mo
Deposit HK$9.66M · loan HK$9.66M · min. income ≈ HK$103,312/mo (50% DSR)
Upfront cash ≈ HK$10.38M (deposit + AVD stamp duty HK$724,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,863
−HK$3,315/mo
▼ 0.25% · 3.875%
HK$54,507
−HK$1,671/mo
Today · 4.125%
HK$56,178
baseline
▲ 0.50% · 4.625%
HK$59,596
+HK$3,418/mo
Deposit HK$7.73M · loan HK$11.59M · min. income ≈ HK$112,356/mo (50% DSR)
Upfront cash ≈ HK$8.45M (deposit + AVD stamp duty HK$724,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,810
−HK$3,177/mo
▼ 0.25% · 3.875%
HK$60,387
−HK$1,600/mo
Today · 4.125%
HK$61,987
baseline
▲ 0.50% · 4.625%
HK$65,254
+HK$3,267/mo
Deposit HK$7.73M · loan HK$11.59M · min. income ≈ HK$123,974/mo (50% DSR)
Upfront cash ≈ HK$8.45M (deposit + AVD stamp duty HK$724,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,673
−HK$3,868/mo
▼ 0.25% · 3.875%
HK$63,592
−HK$1,949/mo
Today · 4.125%
HK$65,541
baseline
▲ 0.50% · 4.625%
HK$69,529
+HK$3,988/mo
Deposit HK$5.80M · loan HK$13.52M · min. income ≈ HK$131,082/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$724,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,611
−HK$3,707/mo
▼ 0.25% · 3.875%
HK$70,451
−HK$1,867/mo
Today · 4.125%
HK$72,318
baseline
▲ 0.50% · 4.625%
HK$76,130
+HK$3,812/mo
Deposit HK$5.80M · loan HK$13.52M · min. income ≈ HK$144,636/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$724,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,294
−HK$4,973/mo
▼ 0.25% · 3.875%
HK$81,761
−HK$2,506/mo
Today · 4.125%
HK$84,267
baseline
▲ 0.50% · 4.625%
HK$89,394
+HK$5,127/mo
Deposit HK$1.93M · loan HK$17.39M · min. income ≈ HK$168,534/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$724,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,214
−HK$4,766/mo
▼ 0.25% · 3.875%
HK$90,580
−HK$2,400/mo
Today · 4.125%
HK$92,980
baseline
▲ 0.50% · 4.625%
HK$97,881
+HK$4,901/mo
Deposit HK$1.93M · loan HK$17.39M · min. income ≈ HK$185,960/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$724,466 · Scale 2, in force from 26 Feb 2026)