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$43,804
−HK$2,746/mo
▼ 0.25% · 3.875%
HK$45,166
−HK$1,384/mo
Today · 4.125%
HK$46,550
baseline
▲ 0.50% · 4.625%
HK$49,383
+HK$2,833/mo
Deposit HK$9.60M · loan HK$9.60M · min. income ≈ HK$93,100/mo (50% DSR)
Upfront cash ≈ HK$10.33M (deposit + AVD stamp duty HK$720,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,731
−HK$2,633/mo
▼ 0.25% · 3.875%
HK$50,038
−HK$1,326/mo
Today · 4.125%
HK$51,364
baseline
▲ 0.50% · 4.625%
HK$54,071
+HK$2,707/mo
Deposit HK$9.60M · loan HK$9.60M · min. income ≈ HK$102,728/mo (50% DSR)
Upfront cash ≈ HK$10.33M (deposit + AVD stamp duty HK$720,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,564
−HK$3,297/mo
▼ 0.25% · 3.875%
HK$54,199
−HK$1,662/mo
Today · 4.125%
HK$55,861
baseline
▲ 0.50% · 4.625%
HK$59,260
+HK$3,399/mo
Deposit HK$7.68M · loan HK$11.53M · min. income ≈ HK$111,722/mo (50% DSR)
Upfront cash ≈ HK$8.40M (deposit + AVD stamp duty HK$720,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,477
−HK$3,160/mo
▼ 0.25% · 3.875%
HK$60,046
−HK$1,591/mo
Today · 4.125%
HK$61,637
baseline
▲ 0.50% · 4.625%
HK$64,886
+HK$3,249/mo
Deposit HK$7.68M · loan HK$11.53M · min. income ≈ HK$123,274/mo (50% DSR)
Upfront cash ≈ HK$8.40M (deposit + AVD stamp duty HK$720,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,325
−HK$3,846/mo
▼ 0.25% · 3.875%
HK$63,233
−HK$1,938/mo
Today · 4.125%
HK$65,171
baseline
▲ 0.50% · 4.625%
HK$69,136
+HK$3,965/mo
Deposit HK$5.76M · loan HK$13.45M · min. income ≈ HK$130,342/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$720,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,224
−HK$3,685/mo
▼ 0.25% · 3.875%
HK$70,053
−HK$1,856/mo
Today · 4.125%
HK$71,909
baseline
▲ 0.50% · 4.625%
HK$75,700
+HK$3,791/mo
Deposit HK$5.76M · loan HK$13.45M · min. income ≈ HK$143,818/mo (50% DSR)
Upfront cash ≈ HK$6.48M (deposit + AVD stamp duty HK$720,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,847
−HK$4,944/mo
▼ 0.25% · 3.875%
HK$81,299
−HK$2,492/mo
Today · 4.125%
HK$83,791
baseline
▲ 0.50% · 4.625%
HK$88,889
+HK$5,098/mo
Deposit HK$1.92M · loan HK$17.29M · min. income ≈ HK$167,582/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$720,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,716
−HK$4,739/mo
▼ 0.25% · 3.875%
HK$90,068
−HK$2,387/mo
Today · 4.125%
HK$92,455
baseline
▲ 0.50% · 4.625%
HK$97,328
+HK$4,873/mo
Deposit HK$1.92M · loan HK$17.29M · min. income ≈ HK$184,910/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$720,374 · Scale 2, in force from 26 Feb 2026)