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$43,858
−HK$2,750/mo
▼ 0.25% · 3.875%
HK$45,222
−HK$1,386/mo
Today · 4.125%
HK$46,608
baseline
▲ 0.50% · 4.625%
HK$49,444
+HK$2,836/mo
Deposit HK$9.62M · loan HK$9.62M · min. income ≈ HK$93,216/mo (50% DSR)
Upfront cash ≈ HK$10.34M (deposit + AVD stamp duty HK$721,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,791
−HK$2,636/mo
▼ 0.25% · 3.875%
HK$50,100
−HK$1,327/mo
Today · 4.125%
HK$51,427
baseline
▲ 0.50% · 4.625%
HK$54,138
+HK$2,711/mo
Deposit HK$9.62M · loan HK$9.62M · min. income ≈ HK$102,854/mo (50% DSR)
Upfront cash ≈ HK$10.34M (deposit + AVD stamp duty HK$721,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,629
−HK$3,300/mo
▼ 0.25% · 3.875%
HK$54,266
−HK$1,663/mo
Today · 4.125%
HK$55,929
baseline
▲ 0.50% · 4.625%
HK$59,333
+HK$3,404/mo
Deposit HK$7.69M · loan HK$11.54M · min. income ≈ HK$111,858/mo (50% DSR)
Upfront cash ≈ HK$8.41M (deposit + AVD stamp duty HK$721,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,549
−HK$3,164/mo
▼ 0.25% · 3.875%
HK$60,120
−HK$1,593/mo
Today · 4.125%
HK$61,713
baseline
▲ 0.50% · 4.625%
HK$64,965
+HK$3,252/mo
Deposit HK$7.69M · loan HK$11.54M · min. income ≈ HK$123,426/mo (50% DSR)
Upfront cash ≈ HK$8.41M (deposit + AVD stamp duty HK$721,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,401
−HK$3,850/mo
▼ 0.25% · 3.875%
HK$63,310
−HK$1,941/mo
Today · 4.125%
HK$65,251
baseline
▲ 0.50% · 4.625%
HK$69,221
+HK$3,970/mo
Deposit HK$5.77M · loan HK$13.46M · min. income ≈ HK$130,502/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$721,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,307
−HK$3,691/mo
▼ 0.25% · 3.875%
HK$70,139
−HK$1,859/mo
Today · 4.125%
HK$71,998
baseline
▲ 0.50% · 4.625%
HK$75,793
+HK$3,795/mo
Deposit HK$5.77M · loan HK$13.46M · min. income ≈ HK$143,996/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$721,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,944
−HK$4,950/mo
▼ 0.25% · 3.875%
HK$81,399
−HK$2,495/mo
Today · 4.125%
HK$83,894
baseline
▲ 0.50% · 4.625%
HK$88,999
+HK$5,105/mo
Deposit HK$1.92M · loan HK$17.31M · min. income ≈ HK$167,788/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$721,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,824
−HK$4,745/mo
▼ 0.25% · 3.875%
HK$90,179
−HK$2,390/mo
Today · 4.125%
HK$92,569
baseline
▲ 0.50% · 4.625%
HK$97,448
+HK$4,879/mo
Deposit HK$1.92M · loan HK$17.31M · min. income ≈ HK$185,138/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$721,260 · Scale 2, in force from 26 Feb 2026)