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$44,021
−HK$2,760/mo
▼ 0.25% · 3.875%
HK$45,390
−HK$1,391/mo
Today · 4.125%
HK$46,781
baseline
▲ 0.50% · 4.625%
HK$49,628
+HK$2,847/mo
Deposit HK$9.65M · loan HK$9.65M · min. income ≈ HK$93,562/mo (50% DSR)
Upfront cash ≈ HK$10.38M (deposit + AVD stamp duty HK$723,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,973
−HK$2,645/mo
▼ 0.25% · 3.875%
HK$50,286
−HK$1,332/mo
Today · 4.125%
HK$51,618
baseline
▲ 0.50% · 4.625%
HK$54,339
+HK$2,721/mo
Deposit HK$9.65M · loan HK$9.65M · min. income ≈ HK$103,236/mo (50% DSR)
Upfront cash ≈ HK$10.38M (deposit + AVD stamp duty HK$723,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,825
−HK$3,312/mo
▼ 0.25% · 3.875%
HK$54,468
−HK$1,669/mo
Today · 4.125%
HK$56,137
baseline
▲ 0.50% · 4.625%
HK$59,553
+HK$3,416/mo
Deposit HK$7.72M · loan HK$11.58M · min. income ≈ HK$112,274/mo (50% DSR)
Upfront cash ≈ HK$8.45M (deposit + AVD stamp duty HK$723,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,767
−HK$3,175/mo
▼ 0.25% · 3.875%
HK$60,343
−HK$1,599/mo
Today · 4.125%
HK$61,942
baseline
▲ 0.50% · 4.625%
HK$65,207
+HK$3,265/mo
Deposit HK$7.72M · loan HK$11.58M · min. income ≈ HK$123,884/mo (50% DSR)
Upfront cash ≈ HK$8.45M (deposit + AVD stamp duty HK$723,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,629
−HK$3,865/mo
▼ 0.25% · 3.875%
HK$63,546
−HK$1,948/mo
Today · 4.125%
HK$65,494
baseline
▲ 0.50% · 4.625%
HK$69,479
+HK$3,985/mo
Deposit HK$5.79M · loan HK$13.51M · min. income ≈ HK$130,988/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$723,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,562
−HK$3,704/mo
▼ 0.25% · 3.875%
HK$70,400
−HK$1,866/mo
Today · 4.125%
HK$72,266
baseline
▲ 0.50% · 4.625%
HK$76,075
+HK$3,809/mo
Deposit HK$5.79M · loan HK$13.51M · min. income ≈ HK$144,532/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$723,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,237
−HK$4,969/mo
▼ 0.25% · 3.875%
HK$81,702
−HK$2,504/mo
Today · 4.125%
HK$84,206
baseline
▲ 0.50% · 4.625%
HK$89,330
+HK$5,124/mo
Deposit HK$1.93M · loan HK$17.37M · min. income ≈ HK$168,412/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$723,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,151
−HK$4,762/mo
▼ 0.25% · 3.875%
HK$90,515
−HK$2,398/mo
Today · 4.125%
HK$92,913
baseline
▲ 0.50% · 4.625%
HK$97,811
+HK$4,898/mo
Deposit HK$1.93M · loan HK$17.37M · min. income ≈ HK$185,826/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$723,944 · Scale 2, in force from 26 Feb 2026)