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$43,922
−HK$2,755/mo
▼ 0.25% · 3.875%
HK$45,288
−HK$1,389/mo
Today · 4.125%
HK$46,677
baseline
▲ 0.50% · 4.625%
HK$49,517
+HK$2,840/mo
Deposit HK$9.63M · loan HK$9.63M · min. income ≈ HK$93,354/mo (50% DSR)
Upfront cash ≈ HK$10.35M (deposit + AVD stamp duty HK$722,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,863
−HK$2,640/mo
▼ 0.25% · 3.875%
HK$50,174
−HK$1,329/mo
Today · 4.125%
HK$51,503
baseline
▲ 0.50% · 4.625%
HK$54,218
+HK$2,715/mo
Deposit HK$9.63M · loan HK$9.63M · min. income ≈ HK$103,006/mo (50% DSR)
Upfront cash ≈ HK$10.35M (deposit + AVD stamp duty HK$722,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,707
−HK$3,305/mo
▼ 0.25% · 3.875%
HK$54,346
−HK$1,666/mo
Today · 4.125%
HK$56,012
baseline
▲ 0.50% · 4.625%
HK$59,420
+HK$3,408/mo
Deposit HK$7.70M · loan HK$11.56M · min. income ≈ HK$112,024/mo (50% DSR)
Upfront cash ≈ HK$8.43M (deposit + AVD stamp duty HK$722,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,636
−HK$3,168/mo
▼ 0.25% · 3.875%
HK$60,208
−HK$1,596/mo
Today · 4.125%
HK$61,804
baseline
▲ 0.50% · 4.625%
HK$65,061
+HK$3,257/mo
Deposit HK$7.70M · loan HK$11.56M · min. income ≈ HK$123,608/mo (50% DSR)
Upfront cash ≈ HK$8.43M (deposit + AVD stamp duty HK$722,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,491
−HK$3,856/mo
▼ 0.25% · 3.875%
HK$63,404
−HK$1,943/mo
Today · 4.125%
HK$65,347
baseline
▲ 0.50% · 4.625%
HK$69,323
+HK$3,976/mo
Deposit HK$5.78M · loan HK$13.48M · min. income ≈ HK$130,694/mo (50% DSR)
Upfront cash ≈ HK$6.50M (deposit + AVD stamp duty HK$722,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,408
−HK$3,696/mo
▼ 0.25% · 3.875%
HK$70,243
−HK$1,861/mo
Today · 4.125%
HK$72,104
baseline
▲ 0.50% · 4.625%
HK$75,905
+HK$3,801/mo
Deposit HK$5.78M · loan HK$13.48M · min. income ≈ HK$144,208/mo (50% DSR)
Upfront cash ≈ HK$6.50M (deposit + AVD stamp duty HK$722,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,060
−HK$4,958/mo
▼ 0.25% · 3.875%
HK$81,519
−HK$2,499/mo
Today · 4.125%
HK$84,018
baseline
▲ 0.50% · 4.625%
HK$89,130
+HK$5,112/mo
Deposit HK$1.93M · loan HK$17.34M · min. income ≈ HK$168,036/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$722,324 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,953
−HK$4,752/mo
▼ 0.25% · 3.875%
HK$90,312
−HK$2,393/mo
Today · 4.125%
HK$92,705
baseline
▲ 0.50% · 4.625%
HK$97,592
+HK$4,887/mo
Deposit HK$1.93M · loan HK$17.34M · min. income ≈ HK$185,410/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$722,324 · Scale 2, in force from 26 Feb 2026)