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$44,026
−HK$2,761/mo
▼ 0.25% · 3.875%
HK$45,396
−HK$1,391/mo
Today · 4.125%
HK$46,787
baseline
▲ 0.50% · 4.625%
HK$49,634
+HK$2,847/mo
Deposit HK$9.65M · loan HK$9.65M · min. income ≈ HK$93,574/mo (50% DSR)
Upfront cash ≈ HK$10.38M (deposit + AVD stamp duty HK$724,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,979
−HK$2,646/mo
▼ 0.25% · 3.875%
HK$50,292
−HK$1,333/mo
Today · 4.125%
HK$51,625
baseline
▲ 0.50% · 4.625%
HK$54,346
+HK$2,721/mo
Deposit HK$9.65M · loan HK$9.65M · min. income ≈ HK$103,250/mo (50% DSR)
Upfront cash ≈ HK$10.38M (deposit + AVD stamp duty HK$724,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,832
−HK$3,313/mo
▼ 0.25% · 3.875%
HK$54,475
−HK$1,670/mo
Today · 4.125%
HK$56,145
baseline
▲ 0.50% · 4.625%
HK$59,561
+HK$3,416/mo
Deposit HK$7.72M · loan HK$11.58M · min. income ≈ HK$112,290/mo (50% DSR)
Upfront cash ≈ HK$8.45M (deposit + AVD stamp duty HK$724,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,775
−HK$3,175/mo
▼ 0.25% · 3.875%
HK$60,351
−HK$1,599/mo
Today · 4.125%
HK$61,950
baseline
▲ 0.50% · 4.625%
HK$65,215
+HK$3,265/mo
Deposit HK$7.72M · loan HK$11.58M · min. income ≈ HK$123,900/mo (50% DSR)
Upfront cash ≈ HK$8.45M (deposit + AVD stamp duty HK$724,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,637
−HK$3,865/mo
▼ 0.25% · 3.875%
HK$63,554
−HK$1,948/mo
Today · 4.125%
HK$65,502
baseline
▲ 0.50% · 4.625%
HK$69,488
+HK$3,986/mo
Deposit HK$5.79M · loan HK$13.52M · min. income ≈ HK$131,004/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$724,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,570
−HK$3,705/mo
▼ 0.25% · 3.875%
HK$70,409
−HK$1,866/mo
Today · 4.125%
HK$72,275
baseline
▲ 0.50% · 4.625%
HK$76,085
+HK$3,810/mo
Deposit HK$5.79M · loan HK$13.52M · min. income ≈ HK$144,550/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$724,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,247
−HK$4,970/mo
▼ 0.25% · 3.875%
HK$81,712
−HK$2,505/mo
Today · 4.125%
HK$84,217
baseline
▲ 0.50% · 4.625%
HK$89,341
+HK$5,124/mo
Deposit HK$1.93M · loan HK$17.38M · min. income ≈ HK$168,434/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$724,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,162
−HK$4,763/mo
▼ 0.25% · 3.875%
HK$90,526
−HK$2,399/mo
Today · 4.125%
HK$92,925
baseline
▲ 0.50% · 4.625%
HK$97,823
+HK$4,898/mo
Deposit HK$1.93M · loan HK$17.38M · min. income ≈ HK$185,850/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$724,036 · Scale 2, in force from 26 Feb 2026)