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$43,823
−HK$2,748/mo
▼ 0.25% · 3.875%
HK$45,186
−HK$1,385/mo
Today · 4.125%
HK$46,571
baseline
▲ 0.50% · 4.625%
HK$49,404
+HK$2,833/mo
Deposit HK$9.61M · loan HK$9.61M · min. income ≈ HK$93,142/mo (50% DSR)
Upfront cash ≈ HK$10.33M (deposit + AVD stamp duty HK$720,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,752
−HK$2,634/mo
▼ 0.25% · 3.875%
HK$50,060
−HK$1,326/mo
Today · 4.125%
HK$51,386
baseline
▲ 0.50% · 4.625%
HK$54,095
+HK$2,709/mo
Deposit HK$9.61M · loan HK$9.61M · min. income ≈ HK$102,772/mo (50% DSR)
Upfront cash ≈ HK$10.33M (deposit + AVD stamp duty HK$720,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,587
−HK$3,298/mo
▼ 0.25% · 3.875%
HK$54,223
−HK$1,662/mo
Today · 4.125%
HK$55,885
baseline
▲ 0.50% · 4.625%
HK$59,285
+HK$3,400/mo
Deposit HK$7.69M · loan HK$11.53M · min. income ≈ HK$111,770/mo (50% DSR)
Upfront cash ≈ HK$8.41M (deposit + AVD stamp duty HK$720,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,503
−HK$3,160/mo
▼ 0.25% · 3.875%
HK$60,072
−HK$1,591/mo
Today · 4.125%
HK$61,663
baseline
▲ 0.50% · 4.625%
HK$64,914
+HK$3,251/mo
Deposit HK$7.69M · loan HK$11.53M · min. income ≈ HK$123,326/mo (50% DSR)
Upfront cash ≈ HK$8.41M (deposit + AVD stamp duty HK$720,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,352
−HK$3,847/mo
▼ 0.25% · 3.875%
HK$63,260
−HK$1,939/mo
Today · 4.125%
HK$65,199
baseline
▲ 0.50% · 4.625%
HK$69,166
+HK$3,967/mo
Deposit HK$5.77M · loan HK$13.45M · min. income ≈ HK$130,398/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$720,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,253
−HK$3,688/mo
▼ 0.25% · 3.875%
HK$70,084
−HK$1,857/mo
Today · 4.125%
HK$71,941
baseline
▲ 0.50% · 4.625%
HK$75,733
+HK$3,792/mo
Deposit HK$5.77M · loan HK$13.45M · min. income ≈ HK$143,882/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$720,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,881
−HK$4,946/mo
▼ 0.25% · 3.875%
HK$81,334
−HK$2,493/mo
Today · 4.125%
HK$83,827
baseline
▲ 0.50% · 4.625%
HK$88,928
+HK$5,101/mo
Deposit HK$1.92M · loan HK$17.30M · min. income ≈ HK$167,654/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$720,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,754
−HK$4,741/mo
▼ 0.25% · 3.875%
HK$90,107
−HK$2,388/mo
Today · 4.125%
HK$92,495
baseline
▲ 0.50% · 4.625%
HK$97,371
+HK$4,876/mo
Deposit HK$1.92M · loan HK$17.30M · min. income ≈ HK$184,990/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$720,686 · Scale 2, in force from 26 Feb 2026)