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$43,926
−HK$2,755/mo
▼ 0.25% · 3.875%
HK$45,293
−HK$1,388/mo
Today · 4.125%
HK$46,681
baseline
▲ 0.50% · 4.625%
HK$49,521
+HK$2,840/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$722,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,868
−HK$2,640/mo
▼ 0.25% · 3.875%
HK$50,178
−HK$1,330/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$722,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,712
−HK$3,305/mo
▼ 0.25% · 3.875%
HK$54,351
−HK$1,666/mo
Today · 4.125%
HK$56,017
baseline
▲ 0.50% · 4.625%
HK$59,426
+HK$3,409/mo
Deposit HK$7.71M · loan HK$11.56M · min. income ≈ HK$112,034/mo (50% DSR)
Upfront cash ≈ HK$8.43M (deposit + AVD stamp duty HK$722,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,641
−HK$3,168/mo
▼ 0.25% · 3.875%
HK$60,214
−HK$1,595/mo
Today · 4.125%
HK$61,809
baseline
▲ 0.50% · 4.625%
HK$65,067
+HK$3,258/mo
Deposit HK$7.71M · loan HK$11.56M · min. income ≈ HK$123,618/mo (50% DSR)
Upfront cash ≈ HK$8.43M (deposit + AVD stamp duty HK$722,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,497
−HK$3,856/mo
▼ 0.25% · 3.875%
HK$63,410
−HK$1,943/mo
Today · 4.125%
HK$65,353
baseline
▲ 0.50% · 4.625%
HK$69,330
+HK$3,977/mo
Deposit HK$5.78M · loan HK$13.48M · min. income ≈ HK$130,706/mo (50% DSR)
Upfront cash ≈ HK$6.50M (deposit + AVD stamp duty HK$722,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,415
−HK$3,696/mo
▼ 0.25% · 3.875%
HK$70,250
−HK$1,861/mo
Today · 4.125%
HK$72,111
baseline
▲ 0.50% · 4.625%
HK$75,912
+HK$3,801/mo
Deposit HK$5.78M · loan HK$13.48M · min. income ≈ HK$144,222/mo (50% DSR)
Upfront cash ≈ HK$6.50M (deposit + AVD stamp duty HK$722,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,067
−HK$4,959/mo
▼ 0.25% · 3.875%
HK$81,527
−HK$2,499/mo
Today · 4.125%
HK$84,026
baseline
▲ 0.50% · 4.625%
HK$89,138
+HK$5,112/mo
Deposit HK$1.93M · loan HK$17.34M · min. income ≈ HK$168,052/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$722,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,962
−HK$4,752/mo
▼ 0.25% · 3.875%
HK$90,321
−HK$2,393/mo
Today · 4.125%
HK$92,714
baseline
▲ 0.50% · 4.625%
HK$97,601
+HK$4,887/mo
Deposit HK$1.93M · loan HK$17.34M · min. income ≈ HK$185,428/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$722,392 · Scale 2, in force from 26 Feb 2026)