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$43,838
−HK$2,749/mo
▼ 0.25% · 3.875%
HK$45,202
−HK$1,385/mo
Today · 4.125%
HK$46,587
baseline
▲ 0.50% · 4.625%
HK$49,422
+HK$2,835/mo
Deposit HK$9.61M · loan HK$9.61M · min. income ≈ HK$93,174/mo (50% DSR)
Upfront cash ≈ HK$10.33M (deposit + AVD stamp duty HK$720,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,769
−HK$2,635/mo
▼ 0.25% · 3.875%
HK$50,077
−HK$1,327/mo
Today · 4.125%
HK$51,404
baseline
▲ 0.50% · 4.625%
HK$54,114
+HK$2,710/mo
Deposit HK$9.61M · loan HK$9.61M · min. income ≈ HK$102,808/mo (50% DSR)
Upfront cash ≈ HK$10.33M (deposit + AVD stamp duty HK$720,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,606
−HK$3,299/mo
▼ 0.25% · 3.875%
HK$54,242
−HK$1,663/mo
Today · 4.125%
HK$55,905
baseline
▲ 0.50% · 4.625%
HK$59,306
+HK$3,401/mo
Deposit HK$7.69M · loan HK$11.54M · min. income ≈ HK$111,810/mo (50% DSR)
Upfront cash ≈ HK$8.41M (deposit + AVD stamp duty HK$720,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,523
−HK$3,162/mo
▼ 0.25% · 3.875%
HK$60,093
−HK$1,592/mo
Today · 4.125%
HK$61,685
baseline
▲ 0.50% · 4.625%
HK$64,937
+HK$3,252/mo
Deposit HK$7.69M · loan HK$11.54M · min. income ≈ HK$123,370/mo (50% DSR)
Upfront cash ≈ HK$8.41M (deposit + AVD stamp duty HK$720,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,373
−HK$3,849/mo
▼ 0.25% · 3.875%
HK$63,282
−HK$1,940/mo
Today · 4.125%
HK$65,222
baseline
▲ 0.50% · 4.625%
HK$69,191
+HK$3,969/mo
Deposit HK$5.77M · loan HK$13.46M · min. income ≈ HK$130,444/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$720,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,277
−HK$3,689/mo
▼ 0.25% · 3.875%
HK$70,108
−HK$1,858/mo
Today · 4.125%
HK$71,966
baseline
▲ 0.50% · 4.625%
HK$75,760
+HK$3,794/mo
Deposit HK$5.77M · loan HK$13.46M · min. income ≈ HK$143,932/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$720,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,909
−HK$4,948/mo
▼ 0.25% · 3.875%
HK$81,363
−HK$2,494/mo
Today · 4.125%
HK$83,857
baseline
▲ 0.50% · 4.625%
HK$88,959
+HK$5,102/mo
Deposit HK$1.92M · loan HK$17.30M · min. income ≈ HK$167,714/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$720,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,785
−HK$4,743/mo
▼ 0.25% · 3.875%
HK$90,139
−HK$2,389/mo
Today · 4.125%
HK$92,528
baseline
▲ 0.50% · 4.625%
HK$97,405
+HK$4,877/mo
Deposit HK$1.92M · loan HK$17.30M · min. income ≈ HK$185,056/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$720,941 · Scale 2, in force from 26 Feb 2026)