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$43,961
−HK$2,757/mo
▼ 0.25% · 3.875%
HK$45,328
−HK$1,390/mo
Today · 4.125%
HK$46,718
baseline
▲ 0.50% · 4.625%
HK$49,560
+HK$2,842/mo
Deposit HK$9.64M · loan HK$9.64M · min. income ≈ HK$93,436/mo (50% DSR)
Upfront cash ≈ HK$10.36M (deposit + AVD stamp duty HK$722,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,906
−HK$2,642/mo
▼ 0.25% · 3.875%
HK$50,218
−HK$1,330/mo
Today · 4.125%
HK$51,548
baseline
▲ 0.50% · 4.625%
HK$54,266
+HK$2,718/mo
Deposit HK$9.64M · loan HK$9.64M · min. income ≈ HK$103,096/mo (50% DSR)
Upfront cash ≈ HK$10.36M (deposit + AVD stamp duty HK$722,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,753
−HK$3,308/mo
▼ 0.25% · 3.875%
HK$54,394
−HK$1,667/mo
Today · 4.125%
HK$56,061
baseline
▲ 0.50% · 4.625%
HK$59,472
+HK$3,411/mo
Deposit HK$7.71M · loan HK$11.57M · min. income ≈ HK$112,122/mo (50% DSR)
Upfront cash ≈ HK$8.43M (deposit + AVD stamp duty HK$722,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,687
−HK$3,171/mo
▼ 0.25% · 3.875%
HK$60,261
−HK$1,597/mo
Today · 4.125%
HK$61,858
baseline
▲ 0.50% · 4.625%
HK$65,119
+HK$3,261/mo
Deposit HK$7.71M · loan HK$11.57M · min. income ≈ HK$123,716/mo (50% DSR)
Upfront cash ≈ HK$8.43M (deposit + AVD stamp duty HK$722,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,545
−HK$3,860/mo
▼ 0.25% · 3.875%
HK$63,460
−HK$1,945/mo
Today · 4.125%
HK$65,405
baseline
▲ 0.50% · 4.625%
HK$69,385
+HK$3,980/mo
Deposit HK$5.78M · loan HK$13.50M · min. income ≈ HK$130,810/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$722,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,469
−HK$3,699/mo
▼ 0.25% · 3.875%
HK$70,305
−HK$1,863/mo
Today · 4.125%
HK$72,168
baseline
▲ 0.50% · 4.625%
HK$75,972
+HK$3,804/mo
Deposit HK$5.78M · loan HK$13.50M · min. income ≈ HK$144,336/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$722,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,130
−HK$4,962/mo
▼ 0.25% · 3.875%
HK$81,591
−HK$2,501/mo
Today · 4.125%
HK$84,092
baseline
▲ 0.50% · 4.625%
HK$89,209
+HK$5,117/mo
Deposit HK$1.93M · loan HK$17.35M · min. income ≈ HK$168,184/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$722,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,031
−HK$4,756/mo
▼ 0.25% · 3.875%
HK$90,392
−HK$2,395/mo
Today · 4.125%
HK$92,787
baseline
▲ 0.50% · 4.625%
HK$97,678
+HK$4,891/mo
Deposit HK$1.93M · loan HK$17.35M · min. income ≈ HK$185,574/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$722,962 · Scale 2, in force from 26 Feb 2026)