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$43,954
−HK$2,757/mo
▼ 0.25% · 3.875%
HK$45,321
−HK$1,390/mo
Today · 4.125%
HK$46,711
baseline
▲ 0.50% · 4.625%
HK$49,553
+HK$2,842/mo
Deposit HK$9.64M · loan HK$9.64M · min. income ≈ HK$93,422/mo (50% DSR)
Upfront cash ≈ HK$10.36M (deposit + AVD stamp duty HK$722,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,899
−HK$2,641/mo
▼ 0.25% · 3.875%
HK$50,210
−HK$1,330/mo
Today · 4.125%
HK$51,540
baseline
▲ 0.50% · 4.625%
HK$54,257
+HK$2,717/mo
Deposit HK$9.64M · loan HK$9.64M · min. income ≈ HK$103,080/mo (50% DSR)
Upfront cash ≈ HK$10.36M (deposit + AVD stamp duty HK$722,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,745
−HK$3,308/mo
▼ 0.25% · 3.875%
HK$54,386
−HK$1,667/mo
Today · 4.125%
HK$56,053
baseline
▲ 0.50% · 4.625%
HK$59,463
+HK$3,410/mo
Deposit HK$7.71M · loan HK$11.57M · min. income ≈ HK$112,106/mo (50% DSR)
Upfront cash ≈ HK$8.43M (deposit + AVD stamp duty HK$722,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,678
−HK$3,171/mo
▼ 0.25% · 3.875%
HK$60,252
−HK$1,597/mo
Today · 4.125%
HK$61,849
baseline
▲ 0.50% · 4.625%
HK$65,109
+HK$3,260/mo
Deposit HK$7.71M · loan HK$11.57M · min. income ≈ HK$123,698/mo (50% DSR)
Upfront cash ≈ HK$8.43M (deposit + AVD stamp duty HK$722,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,536
−HK$3,859/mo
▼ 0.25% · 3.875%
HK$63,450
−HK$1,945/mo
Today · 4.125%
HK$65,395
baseline
▲ 0.50% · 4.625%
HK$69,374
+HK$3,979/mo
Deposit HK$5.78M · loan HK$13.49M · min. income ≈ HK$130,790/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$722,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,458
−HK$3,699/mo
▼ 0.25% · 3.875%
HK$70,294
−HK$1,863/mo
Today · 4.125%
HK$72,157
baseline
▲ 0.50% · 4.625%
HK$75,960
+HK$3,803/mo
Deposit HK$5.78M · loan HK$13.49M · min. income ≈ HK$144,314/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$722,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,118
−HK$4,961/mo
▼ 0.25% · 3.875%
HK$81,579
−HK$2,500/mo
Today · 4.125%
HK$84,079
baseline
▲ 0.50% · 4.625%
HK$89,195
+HK$5,116/mo
Deposit HK$1.93M · loan HK$17.35M · min. income ≈ HK$168,158/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$722,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,017
−HK$4,756/mo
▼ 0.25% · 3.875%
HK$90,378
−HK$2,395/mo
Today · 4.125%
HK$92,773
baseline
▲ 0.50% · 4.625%
HK$97,663
+HK$4,890/mo
Deposit HK$1.93M · loan HK$17.35M · min. income ≈ HK$185,546/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$722,850 · Scale 2, in force from 26 Feb 2026)