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$43,831
−HK$2,749/mo
▼ 0.25% · 3.875%
HK$45,195
−HK$1,385/mo
Today · 4.125%
HK$46,580
baseline
▲ 0.50% · 4.625%
HK$49,414
+HK$2,834/mo
Deposit HK$9.61M · loan HK$9.61M · min. income ≈ HK$93,160/mo (50% DSR)
Upfront cash ≈ HK$10.33M (deposit + AVD stamp duty HK$720,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,762
−HK$2,634/mo
▼ 0.25% · 3.875%
HK$50,070
−HK$1,326/mo
Today · 4.125%
HK$51,396
baseline
▲ 0.50% · 4.625%
HK$54,106
+HK$2,710/mo
Deposit HK$9.61M · loan HK$9.61M · min. income ≈ HK$102,792/mo (50% DSR)
Upfront cash ≈ HK$10.33M (deposit + AVD stamp duty HK$720,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,598
−HK$3,298/mo
▼ 0.25% · 3.875%
HK$54,234
−HK$1,662/mo
Today · 4.125%
HK$55,896
baseline
▲ 0.50% · 4.625%
HK$59,297
+HK$3,401/mo
Deposit HK$7.69M · loan HK$11.53M · min. income ≈ HK$111,792/mo (50% DSR)
Upfront cash ≈ HK$8.41M (deposit + AVD stamp duty HK$720,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,514
−HK$3,162/mo
▼ 0.25% · 3.875%
HK$60,084
−HK$1,592/mo
Today · 4.125%
HK$61,676
baseline
▲ 0.50% · 4.625%
HK$64,927
+HK$3,251/mo
Deposit HK$7.69M · loan HK$11.53M · min. income ≈ HK$123,352/mo (50% DSR)
Upfront cash ≈ HK$8.41M (deposit + AVD stamp duty HK$720,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,364
−HK$3,848/mo
▼ 0.25% · 3.875%
HK$63,273
−HK$1,939/mo
Today · 4.125%
HK$65,212
baseline
▲ 0.50% · 4.625%
HK$69,180
+HK$3,968/mo
Deposit HK$5.77M · loan HK$13.46M · min. income ≈ HK$130,424/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$720,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,267
−HK$3,688/mo
▼ 0.25% · 3.875%
HK$70,098
−HK$1,857/mo
Today · 4.125%
HK$71,955
baseline
▲ 0.50% · 4.625%
HK$75,748
+HK$3,793/mo
Deposit HK$5.77M · loan HK$13.46M · min. income ≈ HK$143,910/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$720,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,896
−HK$4,948/mo
▼ 0.25% · 3.875%
HK$81,351
−HK$2,493/mo
Today · 4.125%
HK$83,844
baseline
▲ 0.50% · 4.625%
HK$88,946
+HK$5,102/mo
Deposit HK$1.92M · loan HK$17.30M · min. income ≈ HK$167,688/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$720,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,772
−HK$4,742/mo
▼ 0.25% · 3.875%
HK$90,126
−HK$2,388/mo
Today · 4.125%
HK$92,514
baseline
▲ 0.50% · 4.625%
HK$97,390
+HK$4,876/mo
Deposit HK$1.92M · loan HK$17.30M · min. income ≈ HK$185,028/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$720,830 · Scale 2, in force from 26 Feb 2026)