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$43,923
−HK$2,754/mo
▼ 0.25% · 3.875%
HK$45,289
−HK$1,388/mo
Today · 4.125%
HK$46,677
baseline
▲ 0.50% · 4.625%
HK$49,517
+HK$2,840/mo
Deposit HK$9.63M · loan HK$9.63M · min. income ≈ HK$93,354/mo (50% DSR)
Upfront cash ≈ HK$10.35M (deposit + AVD stamp duty HK$722,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,864
−HK$2,640/mo
▼ 0.25% · 3.875%
HK$50,174
−HK$1,330/mo
Today · 4.125%
HK$51,504
baseline
▲ 0.50% · 4.625%
HK$54,219
+HK$2,715/mo
Deposit HK$9.63M · loan HK$9.63M · min. income ≈ HK$103,008/mo (50% DSR)
Upfront cash ≈ HK$10.35M (deposit + AVD stamp duty HK$722,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,708
−HK$3,305/mo
▼ 0.25% · 3.875%
HK$54,347
−HK$1,666/mo
Today · 4.125%
HK$56,013
baseline
▲ 0.50% · 4.625%
HK$59,421
+HK$3,408/mo
Deposit HK$7.70M · loan HK$11.56M · min. income ≈ HK$112,026/mo (50% DSR)
Upfront cash ≈ HK$8.43M (deposit + AVD stamp duty HK$722,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,637
−HK$3,168/mo
▼ 0.25% · 3.875%
HK$60,209
−HK$1,596/mo
Today · 4.125%
HK$61,805
baseline
▲ 0.50% · 4.625%
HK$65,062
+HK$3,257/mo
Deposit HK$7.70M · loan HK$11.56M · min. income ≈ HK$123,610/mo (50% DSR)
Upfront cash ≈ HK$8.43M (deposit + AVD stamp duty HK$722,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,492
−HK$3,856/mo
▼ 0.25% · 3.875%
HK$63,405
−HK$1,943/mo
Today · 4.125%
HK$65,348
baseline
▲ 0.50% · 4.625%
HK$69,324
+HK$3,976/mo
Deposit HK$5.78M · loan HK$13.48M · min. income ≈ HK$130,696/mo (50% DSR)
Upfront cash ≈ HK$6.50M (deposit + AVD stamp duty HK$722,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,409
−HK$3,696/mo
▼ 0.25% · 3.875%
HK$70,244
−HK$1,861/mo
Today · 4.125%
HK$72,105
baseline
▲ 0.50% · 4.625%
HK$75,906
+HK$3,801/mo
Deposit HK$5.78M · loan HK$13.48M · min. income ≈ HK$144,210/mo (50% DSR)
Upfront cash ≈ HK$6.50M (deposit + AVD stamp duty HK$722,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,061
−HK$4,958/mo
▼ 0.25% · 3.875%
HK$81,521
−HK$2,498/mo
Today · 4.125%
HK$84,019
baseline
▲ 0.50% · 4.625%
HK$89,131
+HK$5,112/mo
Deposit HK$1.93M · loan HK$17.34M · min. income ≈ HK$168,038/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$722,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,955
−HK$4,752/mo
▼ 0.25% · 3.875%
HK$90,314
−HK$2,393/mo
Today · 4.125%
HK$92,707
baseline
▲ 0.50% · 4.625%
HK$97,594
+HK$4,887/mo
Deposit HK$1.93M · loan HK$17.34M · min. income ≈ HK$185,414/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$722,336 · Scale 2, in force from 26 Feb 2026)