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$44,077
−HK$2,765/mo
▼ 0.25% · 3.875%
HK$45,449
−HK$1,393/mo
Today · 4.125%
HK$46,842
baseline
▲ 0.50% · 4.625%
HK$49,692
+HK$2,850/mo
Deposit HK$9.67M · loan HK$9.67M · min. income ≈ HK$93,684/mo (50% DSR)
Upfront cash ≈ HK$10.39M (deposit + AVD stamp duty HK$724,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,036
−HK$2,649/mo
▼ 0.25% · 3.875%
HK$50,351
−HK$1,334/mo
Today · 4.125%
HK$51,685
baseline
▲ 0.50% · 4.625%
HK$54,409
+HK$2,724/mo
Deposit HK$9.67M · loan HK$9.67M · min. income ≈ HK$103,370/mo (50% DSR)
Upfront cash ≈ HK$10.39M (deposit + AVD stamp duty HK$724,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,893
−HK$3,317/mo
▼ 0.25% · 3.875%
HK$54,538
−HK$1,672/mo
Today · 4.125%
HK$56,210
baseline
▲ 0.50% · 4.625%
HK$59,630
+HK$3,420/mo
Deposit HK$7.73M · loan HK$11.60M · min. income ≈ HK$112,420/mo (50% DSR)
Upfront cash ≈ HK$8.46M (deposit + AVD stamp duty HK$724,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,843
−HK$3,179/mo
▼ 0.25% · 3.875%
HK$60,421
−HK$1,601/mo
Today · 4.125%
HK$62,022
baseline
▲ 0.50% · 4.625%
HK$65,291
+HK$3,269/mo
Deposit HK$7.73M · loan HK$11.60M · min. income ≈ HK$124,044/mo (50% DSR)
Upfront cash ≈ HK$8.46M (deposit + AVD stamp duty HK$724,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,708
−HK$3,870/mo
▼ 0.25% · 3.875%
HK$63,628
−HK$1,950/mo
Today · 4.125%
HK$65,578
baseline
▲ 0.50% · 4.625%
HK$69,568
+HK$3,990/mo
Deposit HK$5.80M · loan HK$13.53M · min. income ≈ HK$131,156/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$724,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,650
−HK$3,709/mo
▼ 0.25% · 3.875%
HK$70,491
−HK$1,868/mo
Today · 4.125%
HK$72,359
baseline
▲ 0.50% · 4.625%
HK$76,173
+HK$3,814/mo
Deposit HK$5.80M · loan HK$13.53M · min. income ≈ HK$144,718/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$724,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,339
−HK$4,976/mo
▼ 0.25% · 3.875%
HK$81,807
−HK$2,508/mo
Today · 4.125%
HK$84,315
baseline
▲ 0.50% · 4.625%
HK$89,445
+HK$5,130/mo
Deposit HK$1.93M · loan HK$17.40M · min. income ≈ HK$168,630/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$724,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,264
−HK$4,769/mo
▼ 0.25% · 3.875%
HK$90,632
−HK$2,401/mo
Today · 4.125%
HK$93,033
baseline
▲ 0.50% · 4.625%
HK$97,937
+HK$4,904/mo
Deposit HK$1.93M · loan HK$17.40M · min. income ≈ HK$186,066/mo (50% DSR)
Upfront cash ≈ HK$2.66M (deposit + AVD stamp duty HK$724,878 · Scale 2, in force from 26 Feb 2026)