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$43,998
−HK$2,759/mo
▼ 0.25% · 3.875%
HK$45,366
−HK$1,391/mo
Today · 4.125%
HK$46,757
baseline
▲ 0.50% · 4.625%
HK$49,602
+HK$2,845/mo
Deposit HK$9.65M · loan HK$9.65M · min. income ≈ HK$93,514/mo (50% DSR)
Upfront cash ≈ HK$10.37M (deposit + AVD stamp duty HK$723,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,947
−HK$2,645/mo
▼ 0.25% · 3.875%
HK$50,260
−HK$1,332/mo
Today · 4.125%
HK$51,592
baseline
▲ 0.50% · 4.625%
HK$54,311
+HK$2,719/mo
Deposit HK$9.65M · loan HK$9.65M · min. income ≈ HK$103,184/mo (50% DSR)
Upfront cash ≈ HK$10.37M (deposit + AVD stamp duty HK$723,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,797
−HK$3,311/mo
▼ 0.25% · 3.875%
HK$54,440
−HK$1,668/mo
Today · 4.125%
HK$56,108
baseline
▲ 0.50% · 4.625%
HK$59,522
+HK$3,414/mo
Deposit HK$7.72M · loan HK$11.58M · min. income ≈ HK$112,216/mo (50% DSR)
Upfront cash ≈ HK$8.44M (deposit + AVD stamp duty HK$723,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,737
−HK$3,173/mo
▼ 0.25% · 3.875%
HK$60,312
−HK$1,598/mo
Today · 4.125%
HK$61,910
baseline
▲ 0.50% · 4.625%
HK$65,173
+HK$3,263/mo
Deposit HK$7.72M · loan HK$11.58M · min. income ≈ HK$123,820/mo (50% DSR)
Upfront cash ≈ HK$8.44M (deposit + AVD stamp duty HK$723,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,597
−HK$3,863/mo
▼ 0.25% · 3.875%
HK$63,513
−HK$1,947/mo
Today · 4.125%
HK$65,460
baseline
▲ 0.50% · 4.625%
HK$69,443
+HK$3,983/mo
Deposit HK$5.79M · loan HK$13.51M · min. income ≈ HK$130,920/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$723,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,526
−HK$3,702/mo
▼ 0.25% · 3.875%
HK$70,364
−HK$1,864/mo
Today · 4.125%
HK$72,228
baseline
▲ 0.50% · 4.625%
HK$76,036
+HK$3,808/mo
Deposit HK$5.79M · loan HK$13.51M · min. income ≈ HK$144,456/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$723,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,196
−HK$4,967/mo
▼ 0.25% · 3.875%
HK$81,660
−HK$2,503/mo
Today · 4.125%
HK$84,163
baseline
▲ 0.50% · 4.625%
HK$89,284
+HK$5,121/mo
Deposit HK$1.93M · loan HK$17.37M · min. income ≈ HK$168,326/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$723,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,105
−HK$4,760/mo
▼ 0.25% · 3.875%
HK$90,468
−HK$2,397/mo
Today · 4.125%
HK$92,865
baseline
▲ 0.50% · 4.625%
HK$97,760
+HK$4,895/mo
Deposit HK$1.93M · loan HK$17.37M · min. income ≈ HK$185,730/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$723,569 · Scale 2, in force from 26 Feb 2026)