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$43,913
−HK$2,754/mo
▼ 0.25% · 3.875%
HK$45,279
−HK$1,388/mo
Today · 4.125%
HK$46,667
baseline
▲ 0.50% · 4.625%
HK$49,506
+HK$2,839/mo
Deposit HK$9.63M · loan HK$9.63M · min. income ≈ HK$93,334/mo (50% DSR)
Upfront cash ≈ HK$10.35M (deposit + AVD stamp duty HK$722,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,853
−HK$2,639/mo
▼ 0.25% · 3.875%
HK$50,163
−HK$1,329/mo
Today · 4.125%
HK$51,492
baseline
▲ 0.50% · 4.625%
HK$54,206
+HK$2,714/mo
Deposit HK$9.63M · loan HK$9.63M · min. income ≈ HK$102,984/mo (50% DSR)
Upfront cash ≈ HK$10.35M (deposit + AVD stamp duty HK$722,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,696
−HK$3,304/mo
▼ 0.25% · 3.875%
HK$54,335
−HK$1,665/mo
Today · 4.125%
HK$56,000
baseline
▲ 0.50% · 4.625%
HK$59,408
+HK$3,408/mo
Deposit HK$7.70M · loan HK$11.55M · min. income ≈ HK$112,000/mo (50% DSR)
Upfront cash ≈ HK$8.43M (deposit + AVD stamp duty HK$722,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,623
−HK$3,168/mo
▼ 0.25% · 3.875%
HK$60,196
−HK$1,595/mo
Today · 4.125%
HK$61,791
baseline
▲ 0.50% · 4.625%
HK$65,048
+HK$3,257/mo
Deposit HK$7.70M · loan HK$11.55M · min. income ≈ HK$123,582/mo (50% DSR)
Upfront cash ≈ HK$8.43M (deposit + AVD stamp duty HK$722,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,478
−HK$3,855/mo
▼ 0.25% · 3.875%
HK$63,391
−HK$1,942/mo
Today · 4.125%
HK$65,333
baseline
▲ 0.50% · 4.625%
HK$69,309
+HK$3,976/mo
Deposit HK$5.78M · loan HK$13.48M · min. income ≈ HK$130,666/mo (50% DSR)
Upfront cash ≈ HK$6.50M (deposit + AVD stamp duty HK$722,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,394
−HK$3,695/mo
▼ 0.25% · 3.875%
HK$70,228
−HK$1,861/mo
Today · 4.125%
HK$72,089
baseline
▲ 0.50% · 4.625%
HK$75,889
+HK$3,800/mo
Deposit HK$5.78M · loan HK$13.48M · min. income ≈ HK$144,178/mo (50% DSR)
Upfront cash ≈ HK$6.50M (deposit + AVD stamp duty HK$722,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,043
−HK$4,957/mo
▼ 0.25% · 3.875%
HK$81,502
−HK$2,498/mo
Today · 4.125%
HK$84,000
baseline
▲ 0.50% · 4.625%
HK$89,111
+HK$5,111/mo
Deposit HK$1.93M · loan HK$17.33M · min. income ≈ HK$168,000/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$722,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,935
−HK$4,751/mo
▼ 0.25% · 3.875%
HK$90,293
−HK$2,393/mo
Today · 4.125%
HK$92,686
baseline
▲ 0.50% · 4.625%
HK$97,571
+HK$4,885/mo
Deposit HK$1.93M · loan HK$17.33M · min. income ≈ HK$185,372/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$722,173 · Scale 2, in force from 26 Feb 2026)