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$43,986
−HK$2,758/mo
▼ 0.25% · 3.875%
HK$45,354
−HK$1,390/mo
Today · 4.125%
HK$46,744
baseline
▲ 0.50% · 4.625%
HK$49,588
+HK$2,844/mo
Deposit HK$9.64M · loan HK$9.64M · min. income ≈ HK$93,488/mo (50% DSR)
Upfront cash ≈ HK$10.37M (deposit + AVD stamp duty HK$723,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,933
−HK$2,644/mo
▼ 0.25% · 3.875%
HK$50,246
−HK$1,331/mo
Today · 4.125%
HK$51,577
baseline
▲ 0.50% · 4.625%
HK$54,296
+HK$2,719/mo
Deposit HK$9.64M · loan HK$9.64M · min. income ≈ HK$103,154/mo (50% DSR)
Upfront cash ≈ HK$10.37M (deposit + AVD stamp duty HK$723,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,783
−HK$3,310/mo
▼ 0.25% · 3.875%
HK$54,424
−HK$1,669/mo
Today · 4.125%
HK$56,093
baseline
▲ 0.50% · 4.625%
HK$59,506
+HK$3,413/mo
Deposit HK$7.72M · loan HK$11.57M · min. income ≈ HK$112,186/mo (50% DSR)
Upfront cash ≈ HK$8.44M (deposit + AVD stamp duty HK$723,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,720
−HK$3,173/mo
▼ 0.25% · 3.875%
HK$60,295
−HK$1,598/mo
Today · 4.125%
HK$61,893
baseline
▲ 0.50% · 4.625%
HK$65,155
+HK$3,262/mo
Deposit HK$7.72M · loan HK$11.57M · min. income ≈ HK$123,786/mo (50% DSR)
Upfront cash ≈ HK$8.44M (deposit + AVD stamp duty HK$723,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,580
−HK$3,861/mo
▼ 0.25% · 3.875%
HK$63,495
−HK$1,946/mo
Today · 4.125%
HK$65,441
baseline
▲ 0.50% · 4.625%
HK$69,423
+HK$3,982/mo
Deposit HK$5.79M · loan HK$13.50M · min. income ≈ HK$130,882/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$723,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,507
−HK$3,701/mo
▼ 0.25% · 3.875%
HK$70,344
−HK$1,864/mo
Today · 4.125%
HK$72,208
baseline
▲ 0.50% · 4.625%
HK$76,014
+HK$3,806/mo
Deposit HK$5.79M · loan HK$13.50M · min. income ≈ HK$144,416/mo (50% DSR)
Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$723,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,174
−HK$4,965/mo
▼ 0.25% · 3.875%
HK$81,637
−HK$2,502/mo
Today · 4.125%
HK$84,139
baseline
▲ 0.50% · 4.625%
HK$89,259
+HK$5,120/mo
Deposit HK$1.93M · loan HK$17.36M · min. income ≈ HK$168,278/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$723,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,080
−HK$4,759/mo
▼ 0.25% · 3.875%
HK$90,443
−HK$2,396/mo
Today · 4.125%
HK$92,839
baseline
▲ 0.50% · 4.625%
HK$97,733
+HK$4,894/mo
Deposit HK$1.93M · loan HK$17.36M · min. income ≈ HK$185,678/mo (50% DSR)
Upfront cash ≈ HK$2.65M (deposit + AVD stamp duty HK$723,366 · Scale 2, in force from 26 Feb 2026)