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$43,988
−HK$2,758/mo
▼ 0.25% · 3.875%
HK$45,356
−HK$1,390/mo
Today · 4.125%
HK$46,746
baseline
▲ 0.50% · 4.625%
HK$49,590
+HK$2,844/mo
Deposit HK$9.65M · loan HK$9.65M · min. income ≈ HK$93,492/mo (50% DSR)
Upfront cash ≈ HK$10.37M (deposit + AVD stamp duty HK$723,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,936
−HK$2,644/mo
▼ 0.25% · 3.875%
HK$50,248
−HK$1,332/mo
Today · 4.125%
HK$51,580
baseline
▲ 0.50% · 4.625%
HK$54,298
+HK$2,718/mo
Deposit HK$9.65M · loan HK$9.65M · min. income ≈ HK$103,160/mo (50% DSR)
Upfront cash ≈ HK$10.37M (deposit + AVD stamp duty HK$723,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,785
−HK$3,310/mo
▼ 0.25% · 3.875%
HK$54,427
−HK$1,668/mo
Today · 4.125%
HK$56,095
baseline
▲ 0.50% · 4.625%
HK$59,508
+HK$3,413/mo
Deposit HK$7.72M · loan HK$11.57M · min. income ≈ HK$112,190/mo (50% DSR)
Upfront cash ≈ HK$8.44M (deposit + AVD stamp duty HK$723,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,723
−HK$3,172/mo
▼ 0.25% · 3.875%
HK$60,298
−HK$1,597/mo
Today · 4.125%
HK$61,895
baseline
▲ 0.50% · 4.625%
HK$65,158
+HK$3,263/mo
Deposit HK$7.72M · loan HK$11.57M · min. income ≈ HK$123,790/mo (50% DSR)
Upfront cash ≈ HK$8.44M (deposit + AVD stamp duty HK$723,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,583
−HK$3,861/mo
▼ 0.25% · 3.875%
HK$63,498
−HK$1,946/mo
Today · 4.125%
HK$65,444
baseline
▲ 0.50% · 4.625%
HK$69,427
+HK$3,983/mo
Deposit HK$5.79M · loan HK$13.50M · min. income ≈ HK$130,888/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$723,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,510
−HK$3,701/mo
▼ 0.25% · 3.875%
HK$70,347
−HK$1,864/mo
Today · 4.125%
HK$72,211
baseline
▲ 0.50% · 4.625%
HK$76,018
+HK$3,807/mo
Deposit HK$5.79M · loan HK$13.50M · min. income ≈ HK$144,422/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$723,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,178
−HK$4,965/mo
▼ 0.25% · 3.875%
HK$81,640
−HK$2,503/mo
Today · 4.125%
HK$84,143
baseline
▲ 0.50% · 4.625%
HK$89,263
+HK$5,120/mo
Deposit HK$1.93M · loan HK$17.36M · min. income ≈ HK$168,286/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$723,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,084
−HK$4,759/mo
▼ 0.25% · 3.875%
HK$90,447
−HK$2,396/mo
Today · 4.125%
HK$92,843
baseline
▲ 0.50% · 4.625%
HK$97,737
+HK$4,894/mo
Deposit HK$1.93M · loan HK$17.36M · min. income ≈ HK$185,686/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$723,399 · Scale 2, in force from 26 Feb 2026)