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$43,817
−HK$2,748/mo
▼ 0.25% · 3.875%
HK$45,180
−HK$1,385/mo
Today · 4.125%
HK$46,565
baseline
▲ 0.50% · 4.625%
HK$49,398
+HK$2,833/mo
Deposit HK$9.61M · loan HK$9.61M · min. income ≈ HK$93,130/mo (50% DSR)
Upfront cash ≈ HK$10.33M (deposit + AVD stamp duty HK$720,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,746
−HK$2,634/mo
▼ 0.25% · 3.875%
HK$50,053
−HK$1,327/mo
Today · 4.125%
HK$51,380
baseline
▲ 0.50% · 4.625%
HK$54,088
+HK$2,708/mo
Deposit HK$9.61M · loan HK$9.61M · min. income ≈ HK$102,760/mo (50% DSR)
Upfront cash ≈ HK$10.33M (deposit + AVD stamp duty HK$720,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,580
−HK$3,298/mo
▼ 0.25% · 3.875%
HK$54,216
−HK$1,662/mo
Today · 4.125%
HK$55,878
baseline
▲ 0.50% · 4.625%
HK$59,278
+HK$3,400/mo
Deposit HK$7.69M · loan HK$11.53M · min. income ≈ HK$111,756/mo (50% DSR)
Upfront cash ≈ HK$8.41M (deposit + AVD stamp duty HK$720,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,495
−HK$3,160/mo
▼ 0.25% · 3.875%
HK$60,064
−HK$1,591/mo
Today · 4.125%
HK$61,655
baseline
▲ 0.50% · 4.625%
HK$64,905
+HK$3,250/mo
Deposit HK$7.69M · loan HK$11.53M · min. income ≈ HK$123,310/mo (50% DSR)
Upfront cash ≈ HK$8.41M (deposit + AVD stamp duty HK$720,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,344
−HK$3,847/mo
▼ 0.25% · 3.875%
HK$63,252
−HK$1,939/mo
Today · 4.125%
HK$65,191
baseline
▲ 0.50% · 4.625%
HK$69,157
+HK$3,966/mo
Deposit HK$5.76M · loan HK$13.45M · min. income ≈ HK$130,382/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$720,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,244
−HK$3,687/mo
▼ 0.25% · 3.875%
HK$70,075
−HK$1,856/mo
Today · 4.125%
HK$71,931
baseline
▲ 0.50% · 4.625%
HK$75,723
+HK$3,792/mo
Deposit HK$5.76M · loan HK$13.45M · min. income ≈ HK$143,862/mo (50% DSR)
Upfront cash ≈ HK$6.49M (deposit + AVD stamp duty HK$720,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,871
−HK$4,945/mo
▼ 0.25% · 3.875%
HK$81,324
−HK$2,492/mo
Today · 4.125%
HK$83,816
baseline
▲ 0.50% · 4.625%
HK$88,916
+HK$5,100/mo
Deposit HK$1.92M · loan HK$17.29M · min. income ≈ HK$167,632/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$720,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,743
−HK$4,740/mo
▼ 0.25% · 3.875%
HK$90,096
−HK$2,387/mo
Today · 4.125%
HK$92,483
baseline
▲ 0.50% · 4.625%
HK$97,358
+HK$4,875/mo
Deposit HK$1.92M · loan HK$17.29M · min. income ≈ HK$184,966/mo (50% DSR)
Upfront cash ≈ HK$2.64M (deposit + AVD stamp duty HK$720,593 · Scale 2, in force from 26 Feb 2026)