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$43,946
−HK$2,755/mo
▼ 0.25% · 3.875%
HK$45,313
−HK$1,388/mo
Today · 4.125%
HK$46,701
baseline
▲ 0.50% · 4.625%
HK$49,543
+HK$2,842/mo
Deposit HK$9.64M · loan HK$9.64M · min. income ≈ HK$93,402/mo (50% DSR)
Upfront cash ≈ HK$10.36M (deposit + AVD stamp duty HK$722,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,889
−HK$2,641/mo
▼ 0.25% · 3.875%
HK$50,200
−HK$1,330/mo
Today · 4.125%
HK$51,530
baseline
▲ 0.50% · 4.625%
HK$54,247
+HK$2,717/mo
Deposit HK$9.64M · loan HK$9.64M · min. income ≈ HK$103,060/mo (50% DSR)
Upfront cash ≈ HK$10.36M (deposit + AVD stamp duty HK$722,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,735
−HK$3,307/mo
▼ 0.25% · 3.875%
HK$54,375
−HK$1,667/mo
Today · 4.125%
HK$56,042
baseline
▲ 0.50% · 4.625%
HK$59,452
+HK$3,410/mo
Deposit HK$7.71M · loan HK$11.56M · min. income ≈ HK$112,084/mo (50% DSR)
Upfront cash ≈ HK$8.43M (deposit + AVD stamp duty HK$722,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,667
−HK$3,170/mo
▼ 0.25% · 3.875%
HK$60,240
−HK$1,597/mo
Today · 4.125%
HK$61,837
baseline
▲ 0.50% · 4.625%
HK$65,096
+HK$3,259/mo
Deposit HK$7.71M · loan HK$11.56M · min. income ≈ HK$123,674/mo (50% DSR)
Upfront cash ≈ HK$8.43M (deposit + AVD stamp duty HK$722,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,524
−HK$3,858/mo
▼ 0.25% · 3.875%
HK$63,438
−HK$1,944/mo
Today · 4.125%
HK$65,382
baseline
▲ 0.50% · 4.625%
HK$69,360
+HK$3,978/mo
Deposit HK$5.78M · loan HK$13.49M · min. income ≈ HK$130,764/mo (50% DSR)
Upfront cash ≈ HK$6.50M (deposit + AVD stamp duty HK$722,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,445
−HK$3,698/mo
▼ 0.25% · 3.875%
HK$70,280
−HK$1,863/mo
Today · 4.125%
HK$72,143
baseline
▲ 0.50% · 4.625%
HK$75,945
+HK$3,802/mo
Deposit HK$5.78M · loan HK$13.49M · min. income ≈ HK$144,286/mo (50% DSR)
Upfront cash ≈ HK$6.50M (deposit + AVD stamp duty HK$722,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,102
−HK$4,961/mo
▼ 0.25% · 3.875%
HK$81,563
−HK$2,500/mo
Today · 4.125%
HK$84,063
baseline
▲ 0.50% · 4.625%
HK$89,178
+HK$5,115/mo
Deposit HK$1.93M · loan HK$17.35M · min. income ≈ HK$168,126/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$722,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,000
−HK$4,755/mo
▼ 0.25% · 3.875%
HK$90,361
−HK$2,394/mo
Today · 4.125%
HK$92,755
baseline
▲ 0.50% · 4.625%
HK$97,644
+HK$4,889/mo
Deposit HK$1.93M · loan HK$17.35M · min. income ≈ HK$185,510/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$722,710 · Scale 2, in force from 26 Feb 2026)