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$43,808
−HK$2,748/mo
▼ 0.25% · 3.875%
HK$45,171
−HK$1,385/mo
Today · 4.125%
HK$46,556
baseline
▲ 0.50% · 4.625%
HK$49,388
+HK$2,832/mo
Deposit HK$9.61M · loan HK$9.61M · min. income ≈ HK$93,112/mo (50% DSR)
Upfront cash ≈ HK$10.33M (deposit + AVD stamp duty HK$720,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,737
−HK$2,633/mo
▼ 0.25% · 3.875%
HK$50,044
−HK$1,326/mo
Today · 4.125%
HK$51,370
baseline
▲ 0.50% · 4.625%
HK$54,077
+HK$2,707/mo
Deposit HK$9.61M · loan HK$9.61M · min. income ≈ HK$102,740/mo (50% DSR)
Upfront cash ≈ HK$10.33M (deposit + AVD stamp duty HK$720,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,570
−HK$3,297/mo
▼ 0.25% · 3.875%
HK$54,205
−HK$1,662/mo
Today · 4.125%
HK$55,867
baseline
▲ 0.50% · 4.625%
HK$59,266
+HK$3,399/mo
Deposit HK$7.68M · loan HK$11.53M · min. income ≈ HK$111,734/mo (50% DSR)
Upfront cash ≈ HK$8.41M (deposit + AVD stamp duty HK$720,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,484
−HK$3,160/mo
▼ 0.25% · 3.875%
HK$60,052
−HK$1,592/mo
Today · 4.125%
HK$61,644
baseline
▲ 0.50% · 4.625%
HK$64,893
+HK$3,249/mo
Deposit HK$7.68M · loan HK$11.53M · min. income ≈ HK$123,288/mo (50% DSR)
Upfront cash ≈ HK$8.41M (deposit + AVD stamp duty HK$720,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,332
−HK$3,846/mo
▼ 0.25% · 3.875%
HK$63,240
−HK$1,938/mo
Today · 4.125%
HK$65,178
baseline
▲ 0.50% · 4.625%
HK$69,144
+HK$3,966/mo
Deposit HK$5.76M · loan HK$13.45M · min. income ≈ HK$130,356/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$720,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,231
−HK$3,686/mo
▼ 0.25% · 3.875%
HK$70,061
−HK$1,856/mo
Today · 4.125%
HK$71,917
baseline
▲ 0.50% · 4.625%
HK$75,708
+HK$3,791/mo
Deposit HK$5.76M · loan HK$13.45M · min. income ≈ HK$143,834/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$720,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,855
−HK$4,945/mo
▼ 0.25% · 3.875%
HK$81,308
−HK$2,492/mo
Today · 4.125%
HK$83,800
baseline
▲ 0.50% · 4.625%
HK$88,899
+HK$5,099/mo
Deposit HK$1.92M · loan HK$17.29M · min. income ≈ HK$167,600/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$720,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,726
−HK$4,739/mo
▼ 0.25% · 3.875%
HK$90,078
−HK$2,387/mo
Today · 4.125%
HK$92,465
baseline
▲ 0.50% · 4.625%
HK$97,339
+HK$4,874/mo
Deposit HK$1.92M · loan HK$17.29M · min. income ≈ HK$184,930/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$720,454 · Scale 2, in force from 26 Feb 2026)