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$43,890
−HK$2,752/mo
▼ 0.25% · 3.875%
HK$45,255
−HK$1,387/mo
Today · 4.125%
HK$46,642
baseline
▲ 0.50% · 4.625%
HK$49,480
+HK$2,838/mo
Deposit HK$9.62M · loan HK$9.62M · min. income ≈ HK$93,284/mo (50% DSR)
Upfront cash ≈ HK$10.35M (deposit + AVD stamp duty HK$721,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,827
−HK$2,638/mo
▼ 0.25% · 3.875%
HK$50,137
−HK$1,328/mo
Today · 4.125%
HK$51,465
baseline
▲ 0.50% · 4.625%
HK$54,178
+HK$2,713/mo
Deposit HK$9.62M · loan HK$9.62M · min. income ≈ HK$102,930/mo (50% DSR)
Upfront cash ≈ HK$10.35M (deposit + AVD stamp duty HK$721,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,668
−HK$3,303/mo
▼ 0.25% · 3.875%
HK$54,306
−HK$1,665/mo
Today · 4.125%
HK$55,971
baseline
▲ 0.50% · 4.625%
HK$59,376
+HK$3,405/mo
Deposit HK$7.70M · loan HK$11.55M · min. income ≈ HK$111,942/mo (50% DSR)
Upfront cash ≈ HK$8.42M (deposit + AVD stamp duty HK$721,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,592
−HK$3,166/mo
▼ 0.25% · 3.875%
HK$60,164
−HK$1,594/mo
Today · 4.125%
HK$61,758
baseline
▲ 0.50% · 4.625%
HK$65,013
+HK$3,255/mo
Deposit HK$7.70M · loan HK$11.55M · min. income ≈ HK$123,516/mo (50% DSR)
Upfront cash ≈ HK$8.42M (deposit + AVD stamp duty HK$721,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,446
−HK$3,853/mo
▼ 0.25% · 3.875%
HK$63,357
−HK$1,942/mo
Today · 4.125%
HK$65,299
baseline
▲ 0.50% · 4.625%
HK$69,272
+HK$3,973/mo
Deposit HK$5.77M · loan HK$13.47M · min. income ≈ HK$130,598/mo (50% DSR)
Upfront cash ≈ HK$6.50M (deposit + AVD stamp duty HK$721,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,358
−HK$3,693/mo
▼ 0.25% · 3.875%
HK$70,191
−HK$1,860/mo
Today · 4.125%
HK$72,051
baseline
▲ 0.50% · 4.625%
HK$75,849
+HK$3,798/mo
Deposit HK$5.77M · loan HK$13.47M · min. income ≈ HK$144,102/mo (50% DSR)
Upfront cash ≈ HK$6.50M (deposit + AVD stamp duty HK$721,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,002
−HK$4,954/mo
▼ 0.25% · 3.875%
HK$81,459
−HK$2,497/mo
Today · 4.125%
HK$83,956
baseline
▲ 0.50% · 4.625%
HK$89,064
+HK$5,108/mo
Deposit HK$1.92M · loan HK$17.32M · min. income ≈ HK$167,912/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$721,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,889
−HK$4,748/mo
▼ 0.25% · 3.875%
HK$90,246
−HK$2,391/mo
Today · 4.125%
HK$92,637
baseline
▲ 0.50% · 4.625%
HK$97,520
+HK$4,883/mo
Deposit HK$1.92M · loan HK$17.32M · min. income ≈ HK$185,274/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$721,793 · Scale 2, in force from 26 Feb 2026)