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$43,830
−HK$2,749/mo
▼ 0.25% · 3.875%
HK$45,194
−HK$1,385/mo
Today · 4.125%
HK$46,579
baseline
▲ 0.50% · 4.625%
HK$49,413
+HK$2,834/mo
Deposit HK$9.61M · loan HK$9.61M · min. income ≈ HK$93,158/mo (50% DSR)
Upfront cash ≈ HK$10.33M (deposit + AVD stamp duty HK$720,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,761
−HK$2,634/mo
▼ 0.25% · 3.875%
HK$50,068
−HK$1,327/mo
Today · 4.125%
HK$51,395
baseline
▲ 0.50% · 4.625%
HK$54,104
+HK$2,709/mo
Deposit HK$9.61M · loan HK$9.61M · min. income ≈ HK$102,790/mo (50% DSR)
Upfront cash ≈ HK$10.33M (deposit + AVD stamp duty HK$720,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,596
−HK$3,298/mo
▼ 0.25% · 3.875%
HK$54,232
−HK$1,662/mo
Today · 4.125%
HK$55,894
baseline
▲ 0.50% · 4.625%
HK$59,296
+HK$3,402/mo
Deposit HK$7.69M · loan HK$11.53M · min. income ≈ HK$111,788/mo (50% DSR)
Upfront cash ≈ HK$8.41M (deposit + AVD stamp duty HK$720,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,513
−HK$3,161/mo
▼ 0.25% · 3.875%
HK$60,082
−HK$1,592/mo
Today · 4.125%
HK$61,674
baseline
▲ 0.50% · 4.625%
HK$64,925
+HK$3,251/mo
Deposit HK$7.69M · loan HK$11.53M · min. income ≈ HK$123,348/mo (50% DSR)
Upfront cash ≈ HK$8.41M (deposit + AVD stamp duty HK$720,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,362
−HK$3,848/mo
▼ 0.25% · 3.875%
HK$63,271
−HK$1,939/mo
Today · 4.125%
HK$65,210
baseline
▲ 0.50% · 4.625%
HK$69,178
+HK$3,968/mo
Deposit HK$5.77M · loan HK$13.46M · min. income ≈ HK$130,420/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$720,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,265
−HK$3,688/mo
▼ 0.25% · 3.875%
HK$70,096
−HK$1,857/mo
Today · 4.125%
HK$71,953
baseline
▲ 0.50% · 4.625%
HK$75,746
+HK$3,793/mo
Deposit HK$5.77M · loan HK$13.46M · min. income ≈ HK$143,906/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$720,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,894
−HK$4,948/mo
▼ 0.25% · 3.875%
HK$81,348
−HK$2,494/mo
Today · 4.125%
HK$83,842
baseline
▲ 0.50% · 4.625%
HK$88,943
+HK$5,101/mo
Deposit HK$1.92M · loan HK$17.30M · min. income ≈ HK$167,684/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$720,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,769
−HK$4,742/mo
▼ 0.25% · 3.875%
HK$90,123
−HK$2,388/mo
Today · 4.125%
HK$92,511
baseline
▲ 0.50% · 4.625%
HK$97,387
+HK$4,876/mo
Deposit HK$1.92M · loan HK$17.30M · min. income ≈ HK$185,022/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$720,811 · Scale 2, in force from 26 Feb 2026)