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$43,890
−HK$2,752/mo
▼ 0.25% · 3.875%
HK$45,255
−HK$1,387/mo
Today · 4.125%
HK$46,642
baseline
▲ 0.50% · 4.625%
HK$49,481
+HK$2,839/mo
Deposit HK$9.62M · loan HK$9.62M · min. income ≈ HK$93,284/mo (50% DSR)
Upfront cash ≈ HK$10.35M (deposit + AVD stamp duty HK$721,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,827
−HK$2,638/mo
▼ 0.25% · 3.875%
HK$50,137
−HK$1,328/mo
Today · 4.125%
HK$51,465
baseline
▲ 0.50% · 4.625%
HK$54,178
+HK$2,713/mo
Deposit HK$9.62M · loan HK$9.62M · min. income ≈ HK$102,930/mo (50% DSR)
Upfront cash ≈ HK$10.35M (deposit + AVD stamp duty HK$721,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,668
−HK$3,303/mo
▼ 0.25% · 3.875%
HK$54,307
−HK$1,664/mo
Today · 4.125%
HK$55,971
baseline
▲ 0.50% · 4.625%
HK$59,377
+HK$3,406/mo
Deposit HK$7.70M · loan HK$11.55M · min. income ≈ HK$111,942/mo (50% DSR)
Upfront cash ≈ HK$8.42M (deposit + AVD stamp duty HK$721,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,593
−HK$3,165/mo
▼ 0.25% · 3.875%
HK$60,164
−HK$1,594/mo
Today · 4.125%
HK$61,758
baseline
▲ 0.50% · 4.625%
HK$65,014
+HK$3,256/mo
Deposit HK$7.70M · loan HK$11.55M · min. income ≈ HK$123,516/mo (50% DSR)
Upfront cash ≈ HK$8.42M (deposit + AVD stamp duty HK$721,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,446
−HK$3,853/mo
▼ 0.25% · 3.875%
HK$63,358
−HK$1,941/mo
Today · 4.125%
HK$65,299
baseline
▲ 0.50% · 4.625%
HK$69,273
+HK$3,974/mo
Deposit HK$5.77M · loan HK$13.47M · min. income ≈ HK$130,598/mo (50% DSR)
Upfront cash ≈ HK$6.50M (deposit + AVD stamp duty HK$721,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,358
−HK$3,694/mo
▼ 0.25% · 3.875%
HK$70,192
−HK$1,860/mo
Today · 4.125%
HK$72,052
baseline
▲ 0.50% · 4.625%
HK$75,849
+HK$3,797/mo
Deposit HK$5.77M · loan HK$13.47M · min. income ≈ HK$144,104/mo (50% DSR)
Upfront cash ≈ HK$6.50M (deposit + AVD stamp duty HK$721,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,002
−HK$4,954/mo
▼ 0.25% · 3.875%
HK$81,460
−HK$2,496/mo
Today · 4.125%
HK$83,956
baseline
▲ 0.50% · 4.625%
HK$89,065
+HK$5,109/mo
Deposit HK$1.92M · loan HK$17.32M · min. income ≈ HK$167,912/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$721,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,889
−HK$4,749/mo
▼ 0.25% · 3.875%
HK$90,246
−HK$2,392/mo
Today · 4.125%
HK$92,638
baseline
▲ 0.50% · 4.625%
HK$97,521
+HK$4,883/mo
Deposit HK$1.92M · loan HK$17.32M · min. income ≈ HK$185,276/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$721,797 · Scale 2, in force from 26 Feb 2026)