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$43,974
−HK$2,758/mo
▼ 0.25% · 3.875%
HK$45,342
−HK$1,390/mo
Today · 4.125%
HK$46,732
baseline
▲ 0.50% · 4.625%
HK$49,575
+HK$2,843/mo
Deposit HK$9.64M · loan HK$9.64M · min. income ≈ HK$93,464/mo (50% DSR)
Upfront cash ≈ HK$10.37M (deposit + AVD stamp duty HK$723,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,921
−HK$2,643/mo
▼ 0.25% · 3.875%
HK$50,233
−HK$1,331/mo
Today · 4.125%
HK$51,564
baseline
▲ 0.50% · 4.625%
HK$54,282
+HK$2,718/mo
Deposit HK$9.64M · loan HK$9.64M · min. income ≈ HK$103,128/mo (50% DSR)
Upfront cash ≈ HK$10.37M (deposit + AVD stamp duty HK$723,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,769
−HK$3,309/mo
▼ 0.25% · 3.875%
HK$54,410
−HK$1,668/mo
Today · 4.125%
HK$56,078
baseline
▲ 0.50% · 4.625%
HK$59,490
+HK$3,412/mo
Deposit HK$7.71M · loan HK$11.57M · min. income ≈ HK$112,156/mo (50% DSR)
Upfront cash ≈ HK$8.44M (deposit + AVD stamp duty HK$723,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,705
−HK$3,172/mo
▼ 0.25% · 3.875%
HK$60,279
−HK$1,598/mo
Today · 4.125%
HK$61,877
baseline
▲ 0.50% · 4.625%
HK$65,138
+HK$3,261/mo
Deposit HK$7.71M · loan HK$11.57M · min. income ≈ HK$123,754/mo (50% DSR)
Upfront cash ≈ HK$8.44M (deposit + AVD stamp duty HK$723,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,564
−HK$3,860/mo
▼ 0.25% · 3.875%
HK$63,479
−HK$1,945/mo
Today · 4.125%
HK$65,424
baseline
▲ 0.50% · 4.625%
HK$69,405
+HK$3,981/mo
Deposit HK$5.79M · loan HK$13.50M · min. income ≈ HK$130,848/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$723,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,489
−HK$3,700/mo
▼ 0.25% · 3.875%
HK$70,326
−HK$1,863/mo
Today · 4.125%
HK$72,189
baseline
▲ 0.50% · 4.625%
HK$75,995
+HK$3,806/mo
Deposit HK$5.79M · loan HK$13.50M · min. income ≈ HK$144,378/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$723,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,153
−HK$4,964/mo
▼ 0.25% · 3.875%
HK$81,616
−HK$2,501/mo
Today · 4.125%
HK$84,117
baseline
▲ 0.50% · 4.625%
HK$89,235
+HK$5,118/mo
Deposit HK$1.93M · loan HK$17.36M · min. income ≈ HK$168,234/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$723,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,057
−HK$4,758/mo
▼ 0.25% · 3.875%
HK$90,419
−HK$2,396/mo
Today · 4.125%
HK$92,815
baseline
▲ 0.50% · 4.625%
HK$97,707
+HK$4,892/mo
Deposit HK$1.93M · loan HK$17.36M · min. income ≈ HK$185,630/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$723,178 · Scale 2, in force from 26 Feb 2026)