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$43,953
−HK$2,756/mo
▼ 0.25% · 3.875%
HK$45,320
−HK$1,389/mo
Today · 4.125%
HK$46,709
baseline
▲ 0.50% · 4.625%
HK$49,551
+HK$2,842/mo
Deposit HK$9.64M · loan HK$9.64M · min. income ≈ HK$93,418/mo (50% DSR)
Upfront cash ≈ HK$10.36M (deposit + AVD stamp duty HK$722,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,897
−HK$2,642/mo
▼ 0.25% · 3.875%
HK$50,209
−HK$1,330/mo
Today · 4.125%
HK$51,539
baseline
▲ 0.50% · 4.625%
HK$54,256
+HK$2,717/mo
Deposit HK$9.64M · loan HK$9.64M · min. income ≈ HK$103,078/mo (50% DSR)
Upfront cash ≈ HK$10.36M (deposit + AVD stamp duty HK$722,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,744
−HK$3,307/mo
▼ 0.25% · 3.875%
HK$54,384
−HK$1,667/mo
Today · 4.125%
HK$56,051
baseline
▲ 0.50% · 4.625%
HK$59,462
+HK$3,411/mo
Deposit HK$7.71M · loan HK$11.57M · min. income ≈ HK$112,102/mo (50% DSR)
Upfront cash ≈ HK$8.43M (deposit + AVD stamp duty HK$722,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,677
−HK$3,170/mo
▼ 0.25% · 3.875%
HK$60,250
−HK$1,597/mo
Today · 4.125%
HK$61,847
baseline
▲ 0.50% · 4.625%
HK$65,107
+HK$3,260/mo
Deposit HK$7.71M · loan HK$11.57M · min. income ≈ HK$123,694/mo (50% DSR)
Upfront cash ≈ HK$8.43M (deposit + AVD stamp duty HK$722,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,534
−HK$3,859/mo
▼ 0.25% · 3.875%
HK$63,448
−HK$1,945/mo
Today · 4.125%
HK$65,393
baseline
▲ 0.50% · 4.625%
HK$69,372
+HK$3,979/mo
Deposit HK$5.78M · loan HK$13.49M · min. income ≈ HK$130,786/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$722,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,456
−HK$3,699/mo
▼ 0.25% · 3.875%
HK$70,292
−HK$1,863/mo
Today · 4.125%
HK$72,155
baseline
▲ 0.50% · 4.625%
HK$75,958
+HK$3,803/mo
Deposit HK$5.78M · loan HK$13.49M · min. income ≈ HK$144,310/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$722,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,116
−HK$4,961/mo
▼ 0.25% · 3.875%
HK$81,576
−HK$2,501/mo
Today · 4.125%
HK$84,077
baseline
▲ 0.50% · 4.625%
HK$89,193
+HK$5,116/mo
Deposit HK$1.93M · loan HK$17.35M · min. income ≈ HK$168,154/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$722,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,015
−HK$4,755/mo
▼ 0.25% · 3.875%
HK$90,376
−HK$2,394/mo
Today · 4.125%
HK$92,770
baseline
▲ 0.50% · 4.625%
HK$97,660
+HK$4,890/mo
Deposit HK$1.93M · loan HK$17.35M · min. income ≈ HK$185,540/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$722,831 · Scale 2, in force from 26 Feb 2026)