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$44,029
−HK$2,762/mo
▼ 0.25% · 3.875%
HK$45,399
−HK$1,392/mo
Today · 4.125%
HK$46,791
baseline
▲ 0.50% · 4.625%
HK$49,638
+HK$2,847/mo
Deposit HK$9.65M · loan HK$9.65M · min. income ≈ HK$93,582/mo (50% DSR)
Upfront cash ≈ HK$10.38M (deposit + AVD stamp duty HK$724,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,982
−HK$2,647/mo
▼ 0.25% · 3.875%
HK$50,296
−HK$1,333/mo
Today · 4.125%
HK$51,629
baseline
▲ 0.50% · 4.625%
HK$54,350
+HK$2,721/mo
Deposit HK$9.65M · loan HK$9.65M · min. income ≈ HK$103,258/mo (50% DSR)
Upfront cash ≈ HK$10.38M (deposit + AVD stamp duty HK$724,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,835
−HK$3,314/mo
▼ 0.25% · 3.875%
HK$54,479
−HK$1,670/mo
Today · 4.125%
HK$56,149
baseline
▲ 0.50% · 4.625%
HK$59,565
+HK$3,416/mo
Deposit HK$7.72M · loan HK$11.59M · min. income ≈ HK$112,298/mo (50% DSR)
Upfront cash ≈ HK$8.45M (deposit + AVD stamp duty HK$724,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,779
−HK$3,175/mo
▼ 0.25% · 3.875%
HK$60,355
−HK$1,599/mo
Today · 4.125%
HK$61,954
baseline
▲ 0.50% · 4.625%
HK$65,220
+HK$3,266/mo
Deposit HK$7.72M · loan HK$11.59M · min. income ≈ HK$123,908/mo (50% DSR)
Upfront cash ≈ HK$8.45M (deposit + AVD stamp duty HK$724,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,641
−HK$3,866/mo
▼ 0.25% · 3.875%
HK$63,559
−HK$1,948/mo
Today · 4.125%
HK$65,507
baseline
▲ 0.50% · 4.625%
HK$69,493
+HK$3,986/mo
Deposit HK$5.79M · loan HK$13.52M · min. income ≈ HK$131,014/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$724,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,575
−HK$3,705/mo
▼ 0.25% · 3.875%
HK$70,414
−HK$1,866/mo
Today · 4.125%
HK$72,280
baseline
▲ 0.50% · 4.625%
HK$76,090
+HK$3,810/mo
Deposit HK$5.79M · loan HK$13.52M · min. income ≈ HK$144,560/mo (50% DSR)
Upfront cash ≈ HK$6.52M (deposit + AVD stamp duty HK$724,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,253
−HK$4,970/mo
▼ 0.25% · 3.875%
HK$81,718
−HK$2,505/mo
Today · 4.125%
HK$84,223
baseline
▲ 0.50% · 4.625%
HK$89,348
+HK$5,125/mo
Deposit HK$1.93M · loan HK$17.38M · min. income ≈ HK$168,446/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$724,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,168
−HK$4,764/mo
▼ 0.25% · 3.875%
HK$90,533
−HK$2,399/mo
Today · 4.125%
HK$92,932
baseline
▲ 0.50% · 4.625%
HK$97,830
+HK$4,898/mo
Deposit HK$1.93M · loan HK$17.38M · min. income ≈ HK$185,864/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$724,088 · Scale 2, in force from 26 Feb 2026)