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$44,009
−HK$2,759/mo
▼ 0.25% · 3.875%
HK$45,378
−HK$1,390/mo
Today · 4.125%
HK$46,768
baseline
▲ 0.50% · 4.625%
HK$49,614
+HK$2,846/mo
Deposit HK$9.65M · loan HK$9.65M · min. income ≈ HK$93,536/mo (50% DSR)
Upfront cash ≈ HK$10.37M (deposit + AVD stamp duty HK$723,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,959
−HK$2,645/mo
▼ 0.25% · 3.875%
HK$50,272
−HK$1,332/mo
Today · 4.125%
HK$51,604
baseline
▲ 0.50% · 4.625%
HK$54,324
+HK$2,720/mo
Deposit HK$9.65M · loan HK$9.65M · min. income ≈ HK$103,208/mo (50% DSR)
Upfront cash ≈ HK$10.37M (deposit + AVD stamp duty HK$723,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,810
−HK$3,312/mo
▼ 0.25% · 3.875%
HK$54,453
−HK$1,669/mo
Today · 4.125%
HK$56,122
baseline
▲ 0.50% · 4.625%
HK$59,537
+HK$3,415/mo
Deposit HK$7.72M · loan HK$11.58M · min. income ≈ HK$112,244/mo (50% DSR)
Upfront cash ≈ HK$8.44M (deposit + AVD stamp duty HK$723,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,751
−HK$3,174/mo
▼ 0.25% · 3.875%
HK$60,327
−HK$1,598/mo
Today · 4.125%
HK$61,925
baseline
▲ 0.50% · 4.625%
HK$65,189
+HK$3,264/mo
Deposit HK$7.72M · loan HK$11.58M · min. income ≈ HK$123,850/mo (50% DSR)
Upfront cash ≈ HK$8.44M (deposit + AVD stamp duty HK$723,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,612
−HK$3,864/mo
▼ 0.25% · 3.875%
HK$63,529
−HK$1,947/mo
Today · 4.125%
HK$65,476
baseline
▲ 0.50% · 4.625%
HK$69,460
+HK$3,984/mo
Deposit HK$5.79M · loan HK$13.51M · min. income ≈ HK$130,952/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$723,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,543
−HK$3,703/mo
▼ 0.25% · 3.875%
HK$70,381
−HK$1,865/mo
Today · 4.125%
HK$72,246
baseline
▲ 0.50% · 4.625%
HK$76,054
+HK$3,808/mo
Deposit HK$5.79M · loan HK$13.51M · min. income ≈ HK$144,492/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$723,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,216
−HK$4,967/mo
▼ 0.25% · 3.875%
HK$81,680
−HK$2,503/mo
Today · 4.125%
HK$84,183
baseline
▲ 0.50% · 4.625%
HK$89,306
+HK$5,123/mo
Deposit HK$1.93M · loan HK$17.37M · min. income ≈ HK$168,366/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$723,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,127
−HK$4,761/mo
▼ 0.25% · 3.875%
HK$90,490
−HK$2,398/mo
Today · 4.125%
HK$92,888
baseline
▲ 0.50% · 4.625%
HK$97,784
+HK$4,896/mo
Deposit HK$1.93M · loan HK$17.37M · min. income ≈ HK$185,776/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$723,746 · Scale 2, in force from 26 Feb 2026)