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$2,753/mo
▼ 0.25% · 3.875%
HK$45,278
−HK$1,388/mo
Today · 4.125%
HK$46,666
baseline
▲ 0.50% · 4.625%
HK$49,506
+HK$2,840/mo
Deposit HK$9.63M · loan HK$9.63M · min. income ≈ HK$93,332/mo (50% DSR)
Upfront cash ≈ HK$10.35M (deposit + AVD stamp duty HK$722,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,852
−HK$2,640/mo
▼ 0.25% · 3.875%
HK$50,162
−HK$1,330/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$722,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,695
−HK$3,305/mo
▼ 0.25% · 3.875%
HK$54,334
−HK$1,666/mo
Today · 4.125%
HK$56,000
baseline
▲ 0.50% · 4.625%
HK$59,407
+HK$3,407/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$722,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,623
−HK$3,167/mo
▼ 0.25% · 3.875%
HK$60,195
−HK$1,595/mo
Today · 4.125%
HK$61,790
baseline
▲ 0.50% · 4.625%
HK$65,047
+HK$3,257/mo
Deposit HK$7.70M · loan HK$11.55M · min. income ≈ HK$123,580/mo (50% DSR)
Upfront cash ≈ HK$8.43M (deposit + AVD stamp duty HK$722,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,478
−HK$3,855/mo
▼ 0.25% · 3.875%
HK$63,390
−HK$1,943/mo
Today · 4.125%
HK$65,333
baseline
▲ 0.50% · 4.625%
HK$69,308
+HK$3,975/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$722,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,393
−HK$3,695/mo
▼ 0.25% · 3.875%
HK$70,227
−HK$1,861/mo
Today · 4.125%
HK$72,088
baseline
▲ 0.50% · 4.625%
HK$75,888
+HK$3,800/mo
Deposit HK$5.78M · loan HK$13.48M · min. income ≈ HK$144,176/mo (50% DSR)
Upfront cash ≈ HK$6.50M (deposit + AVD stamp duty HK$722,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,043
−HK$4,956/mo
▼ 0.25% · 3.875%
HK$81,501
−HK$2,498/mo
Today · 4.125%
HK$83,999
baseline
▲ 0.50% · 4.625%
HK$89,110
+HK$5,111/mo
Deposit HK$1.93M · loan HK$17.33M · min. income ≈ HK$167,998/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$722,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,934
−HK$4,751/mo
▼ 0.25% · 3.875%
HK$90,292
−HK$2,393/mo
Today · 4.125%
HK$92,685
baseline
▲ 0.50% · 4.625%
HK$97,570
+HK$4,885/mo
Deposit HK$1.93M · loan HK$17.33M · min. income ≈ HK$185,370/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$722,165 · Scale 2, in force from 26 Feb 2026)