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$43,927
−HK$2,754/mo
▼ 0.25% · 3.875%
HK$45,293
−HK$1,388/mo
Today · 4.125%
HK$46,681
baseline
▲ 0.50% · 4.625%
HK$49,522
+HK$2,841/mo
Deposit HK$9.63M · loan HK$9.63M · min. income ≈ HK$93,362/mo (50% DSR)
Upfront cash ≈ HK$10.35M (deposit + AVD stamp duty HK$722,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,868
−HK$2,640/mo
▼ 0.25% · 3.875%
HK$50,179
−HK$1,329/mo
Today · 4.125%
HK$51,508
baseline
▲ 0.50% · 4.625%
HK$54,223
+HK$2,715/mo
Deposit HK$9.63M · loan HK$9.63M · min. income ≈ HK$103,016/mo (50% DSR)
Upfront cash ≈ HK$10.35M (deposit + AVD stamp duty HK$722,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,712
−HK$3,306/mo
▼ 0.25% · 3.875%
HK$54,352
−HK$1,666/mo
Today · 4.125%
HK$56,018
baseline
▲ 0.50% · 4.625%
HK$59,426
+HK$3,408/mo
Deposit HK$7.71M · loan HK$11.56M · min. income ≈ HK$112,036/mo (50% DSR)
Upfront cash ≈ HK$8.43M (deposit + AVD stamp duty HK$722,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,642
−HK$3,168/mo
▼ 0.25% · 3.875%
HK$60,215
−HK$1,595/mo
Today · 4.125%
HK$61,810
baseline
▲ 0.50% · 4.625%
HK$65,068
+HK$3,258/mo
Deposit HK$7.71M · loan HK$11.56M · min. income ≈ HK$123,620/mo (50% DSR)
Upfront cash ≈ HK$8.43M (deposit + AVD stamp duty HK$722,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,498
−HK$3,856/mo
▼ 0.25% · 3.875%
HK$63,411
−HK$1,943/mo
Today · 4.125%
HK$65,354
baseline
▲ 0.50% · 4.625%
HK$69,331
+HK$3,977/mo
Deposit HK$5.78M · loan HK$13.48M · min. income ≈ HK$130,708/mo (50% DSR)
Upfront cash ≈ HK$6.50M (deposit + AVD stamp duty HK$722,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,415
−HK$3,697/mo
▼ 0.25% · 3.875%
HK$70,250
−HK$1,862/mo
Today · 4.125%
HK$72,112
baseline
▲ 0.50% · 4.625%
HK$75,913
+HK$3,801/mo
Deposit HK$5.78M · loan HK$13.48M · min. income ≈ HK$144,224/mo (50% DSR)
Upfront cash ≈ HK$6.50M (deposit + AVD stamp duty HK$722,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,068
−HK$4,959/mo
▼ 0.25% · 3.875%
HK$81,528
−HK$2,499/mo
Today · 4.125%
HK$84,027
baseline
▲ 0.50% · 4.625%
HK$89,139
+HK$5,112/mo
Deposit HK$1.93M · loan HK$17.34M · min. income ≈ HK$168,054/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$722,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,963
−HK$4,752/mo
▼ 0.25% · 3.875%
HK$90,322
−HK$2,393/mo
Today · 4.125%
HK$92,715
baseline
▲ 0.50% · 4.625%
HK$97,602
+HK$4,887/mo
Deposit HK$1.93M · loan HK$17.34M · min. income ≈ HK$185,430/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$722,400 · Scale 2, in force from 26 Feb 2026)