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$43,971
−HK$2,757/mo
▼ 0.25% · 3.875%
HK$45,338
−HK$1,390/mo
Today · 4.125%
HK$46,728
baseline
▲ 0.50% · 4.625%
HK$49,571
+HK$2,843/mo
Deposit HK$9.64M · loan HK$9.64M · min. income ≈ HK$93,456/mo (50% DSR)
Upfront cash ≈ HK$10.36M (deposit + AVD stamp duty HK$723,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,917
−HK$2,643/mo
▼ 0.25% · 3.875%
HK$50,229
−HK$1,331/mo
Today · 4.125%
HK$51,560
baseline
▲ 0.50% · 4.625%
HK$54,278
+HK$2,718/mo
Deposit HK$9.64M · loan HK$9.64M · min. income ≈ HK$103,120/mo (50% DSR)
Upfront cash ≈ HK$10.36M (deposit + AVD stamp duty HK$723,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,765
−HK$3,309/mo
▼ 0.25% · 3.875%
HK$54,406
−HK$1,668/mo
Today · 4.125%
HK$56,074
baseline
▲ 0.50% · 4.625%
HK$59,486
+HK$3,412/mo
Deposit HK$7.71M · loan HK$11.57M · min. income ≈ HK$112,148/mo (50% DSR)
Upfront cash ≈ HK$8.44M (deposit + AVD stamp duty HK$723,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,700
−HK$3,172/mo
▼ 0.25% · 3.875%
HK$60,275
−HK$1,597/mo
Today · 4.125%
HK$61,872
baseline
▲ 0.50% · 4.625%
HK$65,133
+HK$3,261/mo
Deposit HK$7.71M · loan HK$11.57M · min. income ≈ HK$123,744/mo (50% DSR)
Upfront cash ≈ HK$8.44M (deposit + AVD stamp duty HK$723,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,559
−HK$3,860/mo
▼ 0.25% · 3.875%
HK$63,474
−HK$1,945/mo
Today · 4.125%
HK$65,419
baseline
▲ 0.50% · 4.625%
HK$69,400
+HK$3,981/mo
Deposit HK$5.78M · loan HK$13.50M · min. income ≈ HK$130,838/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$723,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,484
−HK$3,700/mo
▼ 0.25% · 3.875%
HK$70,320
−HK$1,864/mo
Today · 4.125%
HK$72,184
baseline
▲ 0.50% · 4.625%
HK$75,989
+HK$3,805/mo
Deposit HK$5.78M · loan HK$13.50M · min. income ≈ HK$144,368/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$723,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,147
−HK$4,963/mo
▼ 0.25% · 3.875%
HK$81,609
−HK$2,501/mo
Today · 4.125%
HK$84,110
baseline
▲ 0.50% · 4.625%
HK$89,228
+HK$5,118/mo
Deposit HK$1.93M · loan HK$17.35M · min. income ≈ HK$168,220/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$723,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,050
−HK$4,758/mo
▼ 0.25% · 3.875%
HK$90,412
−HK$2,396/mo
Today · 4.125%
HK$92,808
baseline
▲ 0.50% · 4.625%
HK$97,700
+HK$4,892/mo
Deposit HK$1.93M · loan HK$17.35M · min. income ≈ HK$185,616/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$723,121 · Scale 2, in force from 26 Feb 2026)