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$43,952
−HK$2,756/mo
▼ 0.25% · 3.875%
HK$45,319
−HK$1,389/mo
Today · 4.125%
HK$46,708
baseline
▲ 0.50% · 4.625%
HK$49,550
+HK$2,842/mo
Deposit HK$9.64M · loan HK$9.64M · min. income ≈ HK$93,416/mo (50% DSR)
Upfront cash ≈ HK$10.36M (deposit + AVD stamp duty HK$722,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,896
−HK$2,642/mo
▼ 0.25% · 3.875%
HK$50,208
−HK$1,330/mo
Today · 4.125%
HK$51,538
baseline
▲ 0.50% · 4.625%
HK$54,255
+HK$2,717/mo
Deposit HK$9.64M · loan HK$9.64M · min. income ≈ HK$103,076/mo (50% DSR)
Upfront cash ≈ HK$10.36M (deposit + AVD stamp duty HK$722,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,743
−HK$3,307/mo
▼ 0.25% · 3.875%
HK$54,383
−HK$1,667/mo
Today · 4.125%
HK$56,050
baseline
▲ 0.50% · 4.625%
HK$59,461
+HK$3,411/mo
Deposit HK$7.71M · loan HK$11.57M · min. income ≈ HK$112,100/mo (50% DSR)
Upfront cash ≈ HK$8.43M (deposit + AVD stamp duty HK$722,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,676
−HK$3,170/mo
▼ 0.25% · 3.875%
HK$60,249
−HK$1,597/mo
Today · 4.125%
HK$61,846
baseline
▲ 0.50% · 4.625%
HK$65,106
+HK$3,260/mo
Deposit HK$7.71M · loan HK$11.57M · min. income ≈ HK$123,692/mo (50% DSR)
Upfront cash ≈ HK$8.43M (deposit + AVD stamp duty HK$722,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,533
−HK$3,859/mo
▼ 0.25% · 3.875%
HK$63,447
−HK$1,945/mo
Today · 4.125%
HK$65,392
baseline
▲ 0.50% · 4.625%
HK$69,371
+HK$3,979/mo
Deposit HK$5.78M · loan HK$13.49M · min. income ≈ HK$130,784/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$722,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,455
−HK$3,698/mo
▼ 0.25% · 3.875%
HK$70,291
−HK$1,862/mo
Today · 4.125%
HK$72,153
baseline
▲ 0.50% · 4.625%
HK$75,957
+HK$3,804/mo
Deposit HK$5.78M · loan HK$13.49M · min. income ≈ HK$144,306/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$722,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,114
−HK$4,961/mo
▼ 0.25% · 3.875%
HK$81,575
−HK$2,500/mo
Today · 4.125%
HK$84,075
baseline
▲ 0.50% · 4.625%
HK$89,191
+HK$5,116/mo
Deposit HK$1.93M · loan HK$17.35M · min. income ≈ HK$168,150/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$722,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,013
−HK$4,755/mo
▼ 0.25% · 3.875%
HK$90,374
−HK$2,394/mo
Today · 4.125%
HK$92,768
baseline
▲ 0.50% · 4.625%
HK$97,658
+HK$4,890/mo
Deposit HK$1.93M · loan HK$17.35M · min. income ≈ HK$185,536/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$722,816 · Scale 2, in force from 26 Feb 2026)